Guaranteed Financing
for Every Couple
New customers: get pre-approved for up to $5,000 on your first purchase.*
Guaranteed Financing for
Every Couple
New customers: get pre-approved for up to $5,000 on your first purchase.*
Klarna Video Explainer
Your credit score shouldn’t stand between you and your “I do.”
That’s why My Trio Rings offers guaranteed jewelry financing through Daniel’s Credit, designed for couples with all types of credit, including low or rebuilding credit.
With flexible payment plans and a simple approval process, you can finance your engagement ring, wedding band, or trio ring set with confidence.
Financing is currently available to customers with billing addresses in the following states only:
AZ, CA, NV, NM, TX, FL, GA, NC, SC, PA, OH, MI, NY, and VA.
How it works
Getting financed through Daniel's Credit is a quick, straightforward process. Here's what to expect from application to delivery.
Get Pre-Approved
Select Daniel's Credit at checkout and complete the pre-approval form.
Make Your 40% Down Payment
Secure your order with a 40% deposit.
Complete the Full Application
After your deposit, you'll complete the full Daniel's Credit application
We Craft and Ship Your Rings
Your rings are handcrafted and shipped directly to your door.
Rates Designed Around
Your Budget
Your credit score tells part of your financial story but it doesn't tell all of it, and it shouldn't decide whether you get to celebrate one of life's most important moments.
Designed for
all credit types
THIS PROGRAM WAS BUILT SPECIFICALLY FOR CUSTOMERS WHO HAVE STRUGGLED TO GET FINANCING ELSEWHERE.
Clear, state
regulated rates
INTEREST RATES ARE SET BY YOUR STATE OF RESIDENCE ACCORDING TO APPLICABLE STATE LAW.
Grace period
available
PAY YOUR BALANCE IN FULL BY THE STATEMENT DUE DATE AND YOU CAN AVOID FINANCE CHARGES ON NEW PURCHASES ENTIRELY.
What Could Your Payments Look Like?
The table below gives you a general idea of how financing breaks down at different purchase levels. All estimates assume a 40% down payment. Actual monthly payment amounts depend on your financed balance, your state's applicable APR, and the term assigned at approval.
| Ring Set Price | 40% Down | Financed Balance | Term | Estimated Monthly Payment |
| $1,000 | $400 | $600 | 12 months | $67/month |
| $2,500 | $1,000 | $1,500 | 15 months | $150/month |
| $5,000 | $2,000 | $3,000 | 18 months | $250/month |
*Subject to verification, some down payment may be required.
FAQ
Q: How long are financing terms?
A: Terms are based on your financed balance:
- Up to $1,000: 12 months
- Up to $3,000: 15 months
- Over $3,000: 18 months
Q: What is revolving credit?
A: Daniel’s Credit works like a retail installment credit line. You make monthly payments, and as you pay down your balance, available credit may reopen.
Q: What are the interest rates?
A.
- 35.88% APR (2.99% Monthly): AZ, CA, NV, NM, PA, SC, and VA.
- 18.00% APR (1.50% Monthly): FL and NC.
- 21.00% APR (1.75% Monthly): GA and TX.
- 24.99% APR (2.0825% Monthly): NY, MI, and OH.
Q: How is interest calculated?
A: Daniel's Credit uses the Average Daily Balance Method. They take the balance at the start of the billing cycle, add new purchases (except in NM), and subtract payments or credits each day. This total is divided by the days in the cycle and multiplied by the state’s periodic rate.
Q: Are there annual or late fees?
A:
- Annual Fee: $15.00 in CA and NV; $0.00 in all other supported states.
- Late Fees: Fees vary by state law and typically apply after a grace period of 7 to 30 days.
- Minimum Finance Charge: No charge if paid within the grace period; otherwise, $0.50 to $1.00 depending on the state.
Q: Is my information secure?
A: Daniel's Credit prioritizes security. All application data is handled through their secure credit system. For more information, the full agreement is available at www.danielsjewelers.com/RICA.
Q: Who can be contacted for the most recent version of these terms?
A: Inquiries can be directed to Daniel’s Jewelers at P.O. Box 3750, Culver City, CA 90231-3750, or by calling (310) 665-2110.
Q: How long are financing terms?
A: Terms are based on your financed balance:
- Up to $1,000: 12 months
- Up to $3,000: 15 months
- Over $3,000: 18 months
Q: What is revolving credit?
A: Daniel’s Credit works like a retail installment credit line. You make monthly payments, and as you pay down your balance, available credit may reopen.
Q: What are the interest rates?
A: Rates are set by Daniel's Credit according to state law:
- 35.88% APR (2.99% Monthly): AZ, CA, NV, NM, PA, SC, and VA.
- 18.00% APR (1.50% Monthly): FL and NC.
- 21.00% APR (1.75% Monthly): GA and TX.
- 24.99% APR (2.0825% Monthly): NY, MI, and OH.
Q: How is interest calculated?
A: Daniel's Credit uses the Average Daily Balance Method. They take the balance at the start of the billing cycle, add new purchases (except in NM), and subtract payments or credits each day. This total is divided by the days in the cycle and multiplied by the state’s periodic rate.
Q: Are there annual or late fees?
A: Annual Fee: $15.00 in CA and NV; $0.00 in all other supported states.
Late Fees: Fees vary by state law and typically apply after a grace period of 7 to 30 days.
Minimum Finance Charge: No charge if paid within the grace period; otherwise, $0.50 to $1.00 depending on the state.
Q: Is my information secure?
A: Daniel's Credit prioritizes security. All application data is handled through their secure credit system. For more information, the full agreement is available at www.danielsjewelers.com/RICA.
Q: Who can be contacted for the most recent version of these terms?
A: Inquiries can be directed to Daniel’s Jewelers at P.O. Box 3750, Culver City, CA 90231-3750, or by calling (310) 665-2110.
Peace of Mind
Shop With Confidence Every Daniels Financing order is backed by our full suite of guarantees.
60-Day Satisfaction Guarantee
We offer a 60-day return window so you can shop with complete peace of mind no rushed decisions, no regrets.
Learn more
Free Ring Sizer
Getting the fit right matters. We'll send you a free ring sizer before your order ships so your rings arrive fitting perfectlys right from day one.
Learn more
Secure Payments
Every payment in your layaway plan is processed through encrypted, bank level security. Your financial information is always safe with us.
Crafter's Warranty
Our rings are built to last. Coverage is offered for a period of one year from the date you receive your wedding ring purchase.
Learn more
Peace of Mind
Shop With Confidence Every Klarna order is backed by our full suite of guarantees.
60-Day Satisfaction Guarantee
Not in love with your rings? No problem. We offer a 60-day return window so you can shop with complete peace of mindno rushed decisions, no regrets.
Learn more
Free Ring Sizer
Getting the fit right matters. We'll send you a free ring sizer before your order ships so your rings arrive fitting perfectlys right from day one.
Learn more
Secure Payments
Every payment in your layaway plan is processed through encrypted, bank level security. Your financial information is always safe with us.
Crafter's Warranty
Our rings are built to last. Coverage is offered for a period of one year from the date you receive your wedding ring purchase.
Learn more
Our Authentic Reviews
Barbara P.
"Very pretty, easy, and affordable payments."
Karly K.
"The terms and payment options from my trip are so great."
Maria H.
"Prices are spectacular, and they have a payment plan for your budget. Love them!"
Kelsey J.
"Payments were interest-free and easy to make."
Start Shopping
Explore our matching wedding ring sets and full collection and start your Daniels Financing plan at checkout.
About My Trio Rings
My Trio Rings was started with the backing of four generations of expertise in the diamond and jewelry industry! As diamond cutters, ring casters and wholesalers, we noticed how much retail stores were overcharging their customers, and decided to go directly to customers through MyTrioRings.com to reduce costs and make diamond jewelry affordable for the everyday hardworking American! Click to read more about why thousands of brides and grooms have chosen My Trio Rings!