Your Ring Shouldn't
Wait for Your Credit Score
Financing and lease-to-own options available.
Applying takes minutes and does not impact your credit score.
Your Ring Shouldn't
Wait for Your Credit Score
Financing and lease-to-own options available.
Applying takes minutes and does not impact your credit score.
Paytomorrow Video Explainer
How it works
We provide financing options for all credit types with one easy application process.
Apply in Minutes
Fill out one simple application using your basic personal information
Get Matched Instantly
PayTomorrow's platform evaluates your profile and matches the best available terms.
Choose plan
Review your offer and select the payment plan that fits your life.
Shop & Get Your Rings
No delays, no waiting your rings, your timeline.
Rates Designed Around Your Budget
Secure your favorite rings today and pay the balance at your own pace. With no interest and no credit checks, you simply make payments over time and receive your rings once they are fully paid off.
No impact
on credit to apply
WE JUST ASK SOME SIMPLE QUESTIONS
TO MATCH YOU WITH THE BEST LENDER FOR YOU.
Affordable
payments
WE OFFER PERSONALIZED FINANCING OPTIONS
WITH FAIR AND TRANSPARENT PRICING.
Realtime
decisions
WE PRESENT YOU WITH PERSONALIZED
OFFERS IN REAL TIME.
Two Ways To Pay
(Financing Vs Lease-to-own)
PayTomorrow offers two distinct options depending on your credit profile and preferences.
Installment Financing
(For customers with established or rebuilding credit)
Installment financing works like a traditional loan — you borrow a set amount, receive a fixed payment schedule, and own your rings from day one. Terms typically range from 3 to 24 months, with rates from 0% to 29.99% APR depending on your credit profile and the lender matched to you.
- Fixed monthly payments you can plan around
- Multiple term lengths to suit your budget
- Rates determined at time of approval
- No prepayment penalties — pay it off early anytime
Best for: Customers who want predictable monthly payments and immediate ownership.
Lease-to-Own
(For customers with limited, no, or challenged credit
Lease-to-own gives you a flexible, "no credit needed" path to bringing your rings home. You make regular payments — weekly or monthly — over an agreement period, typically 12 months, at the end of which you own the jewelry outright. Early purchase options are often available too.
- No credit score required to apply
- Regular, manageable payment schedule
- Own your rings in 12 months or less
- Early buyout available with many partners
Best for: Customers who've been turned down elsewhere or are just starting to build credit.
PayTomorrow works with a network of lending and leasing partners. Not all options are available in all states. All terms are presented in your agreement prior to signing. See paytomorrow.com for full details.
Peace of Mind
Shop With Confidence Every Paytomorrow 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 perfectly 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 Paytomorrow 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 perfectly 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
FAQ
Q: What information do I need to apply?
A: You'll need to provide your full legal name, address, date of birth, Social Security Number or ITIN, and income information. This is standard for all consumer lending applications and helps PayTomorrow's partners verify your identity and assess your eligibility.
Q: Will applying hurt my credit score?
A: No. PayTomorrow uses a soft credit inquiry when processing applications, which does not affect your credit score. You can apply and reapply without worrying about damaging your credit. Note: some prime financing offers from specific lending partners may require a hard credit pull upon final acceptance.
Q: What if I'm not approved by the first lender?
A: PayTomorrow's platform automatically moves throughits network of lending partners. If the first option isn't a match, the system keeps searching. Because PayTomorrow works with multiple lenders across the credit spectrum, many customers who are declined by one partner are approved by another in the same application session.
Q: Can I pay off my plan early?
A: Yes. For installment financing, there are no prepayment penalties — you can pay off your balance at any time. For lease-to-own agreements, many partners offer an early purchase option. Check the terms of your specific agreement or contact your lending partner for details.
Q: How do I apply?
A: Simply select PayTomorrow as your payment method at checkout. You can also pre-qualify before shopping by visiting the PayTomorrow application link on this page. Either way, the process is quick, fully online, and won't affect your credit score.
Q: Who do I contact if I have questions about my agreement?
Q: What information do I need to apply?
A: You'll need to provide your full legal name, address, date of birth, Social Security Number or ITIN, and income information. This is standard for all consumer lending applications and helps PayTomorrow's partners verify your identity and assess your eligibility.
Q: How much can I get approved for?
A: PayTomorrow approvals work differently from a standard loan. Rather than approving a specific purchase amount, you'll receive a spending limit — the maximum available to you — based on your individual profile. This limit can then be applied toward any items in our store.
Q: How do I apply?
A: Simply select PayTomorrow as your payment method at checkout. You can also pre-qualify before shopping by visiting the PayTomorrow application link on this page. Either way, the process is quick, fully online, and won't affect your credit score
Q: Will applying hurt my credit score?
A: No. PayTomorrow uses a soft credit inquiry when processing applications, which does not affect your credit score. You can apply and reapply without worrying about damaging your credit. Note: Some prime financing offers from specific lending partners may require a hard credit pull upon final acceptance.
Q: Can I pay off my plan early?
A: Yes. For installment financing, there are no prepayment penalties — you can pay off your balance at any time. For lease-to-own agreements, many partners offer an early purchase option. Check the terms of your specific agreement or contact your lending partner for details.
Q: Who do I contact if I have questions about my agreement?
A: For questions about your PayTomorrow application or existing payment agreement, contact the lending partner named in your agreement directly, or visit paytomorrow.com for support resources. For questions about your My Trio Rings order, reach our team at contactus@mytriorings.com or call 855-MY-RINGS, Mon–Fri 9:30 AM – 5:30 PM EST.
Start Shopping
Explore our matching wedding ring sets and full collection and start your paytomorow plan at checkout.
Our Authentic Reviews
Hannah U.
"Well crafted rings, very beautiful."
John H.
"Well worth the money, we are so happy."
Jaime W.
"Cut and clarity are amazing!"
Jordan
"I love their layaway option."
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!