Credit Pre-Approval

Brilliance Credit is designed for the thoughtful consumer who still wants the backing and security of responsible financing options. 

In 2013, Brilliance Credit was created. By providing an alternative to conventional financing options, Brilliance Credit helps increase credit acceptance and financing options.

Financing with us allows you the freedom to choose the right piece of unique jewelry for the right person. Apply in store or online today to get pre-approved and enjoy greater purchasing power and low minimum monthly payments.

How is Brilliance Credit different from other credit programs?

When you are ready to make that special purchase, it helps to have financing options. Unlike your Visa or Discover card, Brilliance Credit financing is available under a retail installment contract in which you make fixed monthly payments. It is paid off in the timeframe you select.

Do I need to go to a jewelry store before applying?

No. You can apply for a Brilliance Credit account from anywhere. Brilliance Credit can pre-approve your application on-line or in our store.

I have never had credit before. Can I still get pre-approved?

Pre-approval is based on information from your credit application and past credit history. This includes information from the primary applicant. A co-borrower may be added as well. Brilliance Credit works with many first-time credit buyers.

How much credit will I get pre-approved for?

Brilliance Credit pre-approves you to borrow up to a maximum amount which is based on information from your credit application and past credit history.

Will I need to make a down payment?

The requirement of a down payment amount on your purchase is based on a number of factors and may have a bearing on how much money you can borrow.  

What information is needed to complete my transaction?

You will need to have a valid form of U.S. Government-issued photo identification.  Temporary identification of any kind is not accepted.

Does my credit expire?

Yes. Unlike a credit card, Brilliance Credit is used for a one-time purchase.

What will my monthly payments be?

Your monthly payments will be determined based on the total amount of credit you leverage with your pre-approval and the repayment plan you’ve selected. 

Can I pay off my loan before the end of the term?

Yes. There are no prepayment penalties under the Brilliance Credit program.