Finance
PAYMENT OPTIONS
The piece you love, on a payment plan that works for you.
We know fine jewelry is a meaningful purchase, not always an easy one to pay for all at once. That's why Herencia works with three trusted financing partners. Each one reviews applications a little differently, so if one doesn't work for your situation, another might. Pick the option below that fits you best and apply directly — most take just a few minutes from your phone.
Choose your financing partner
Acima
Lease-to-ownAcima looks at your income and banking history rather than running a hard credit pull, so most applicants get a decision within minutes. Once approved, you choose a payment schedule that fits your pay dates, and you can pay off early to lower the total cost.
Apply with Acima →American First Finance
Flexible paymentsAmerican First Finance offers payment plans for shoppers across a wide range of credit backgrounds. The application takes just a few minutes from your phone or computer, and most applicants hear back the same day.
Apply with American First Finance →Snap Finance
Apply by textSnap is built for speed — most applicants get a decision in seconds, and perfect credit isn't required. The fastest way to apply is right from your phone.
Text this code and Snap will reply with your application link:
Have questions about financing? Our team is here to help — reach out to Customer Support and we'll walk you through your options.
Each financing option above is offered and reviewed independently by Acima, American First Finance, and Snap Finance. Approval is not guaranteed and terms, payment schedules, and eligibility vary by provider. Herencia Jewelry does not process or guarantee any financing application.