Financing

AFFORDABLE PAYMENT OPTIONS FOR YOUR JEWELRY

Karaters™️. offers the best methods for you to pay for your beautiful jewelry. Don’t want to lay out the money now? No problem, we’ve got you covered. With our many financing options including interest-free and cash buy options, we surely will find one that is fit for your financial needs.

 Below are some of the financing companies  Karaters™️. has partnered with, to provide you with the best rates to get your beautiful jewelry quickly.

 To Know More About Details and How Our Payment Option Works, Please Read The Guidelines Below


  • Affirm Financing      

Loans through Affirm are made by Cross River Bank, Member FDIC; Celtic Bank, Member FDIC; or Affirm Loan Services, LLC.

California residents: Affirm Loan Services, LLC is licensed by the Department of Financial Protection and Innovation. Loans are made or arranged pursuant to California Financing Law license 60DBO-111681. 
  • Layaway Plan

Our hassle-free layaway plan is based on our Motto " Sparkle now, Pay later " – reserve your favorite Diamonds today with affordable, easy monthly payments, making luxury more accessible and dazzling dreams come true.

Here’s how it works:

  1. Reserve Your Jewelry: Choose your favorite lab grown diamond jewelry and secure it with just a 10% down payment. Once your down payment is made, that goes to the worth of the total of your jewelry. An invoice will be sent every time you make a payment showing the amount paid and the balance owed on your item/s.
    Call us at +1 213-306-7211 or Email us At: info@karaters.com to start your Layaway Plan.

  2. Flexible Monthly Payments: Enjoy the convenience of affordable, interest-free monthly payments tailored to fit your budget.

  3. No Interest: Pay only for your jewelry—no hidden fees or interest charges.

  4. Receive Your Jewelry: Once the item is fully paid off we will ship your sparkling Diamond Jewelry out.

So Shop Now and Get started with only 10% Down today. More Details.