Financing at Larry Love's
Take home the ring, the chain, the bridal set — and pay for it over time. One short application shows you what you qualify for before you decide. Apply from your phone in a few minutes, or let us walk you through it at the counter.
See if You Pre-Qualify
Multiple Providers • Regardless of Credit
Checking takes about two minutes and uses a soft credit inquiry, so it won't affect your credit score.
Payment estimator
Slide to the price you have in mind and see a weekly estimate. It's a starting point for the conversation, not an offer — your actual payment depends on the terms you're approved for.
Estimate only. Not an offer of credit, an approval, or a quote of final terms.
How it works
The whole thing happens on one screen. Start it at home, finish it at the counter — either way it's the same application.
Name, address, a few basics. It's one short form on your phone or the tablet in the store, and it takes about two minutes.
Your application is reviewed by several financing providers at once. You'll see the results in seconds — no calling around, no filling anything out twice.
Come see us on Victory Drive. We'll apply your financing at the counter and you'll walk out with it the same day.
From our customers
Questions
You fill out one short application. It's reviewed by a group of financing providers, and you're shown the options you qualify for — usually within seconds. If you move forward, you pick out your jewelry and we apply the financing at the counter.
No. Pre-qualification uses a soft credit inquiry, which does not affect your credit score.
Not necessarily. The application is reviewed by a range of financing providers with different requirements, so customers in a lot of different credit situations are worth applying. Applying is the only way to know what you qualify for — nothing is decided in advance.
No — that's the point of it. One application goes to all of the providers we work with, so you don't retype the same information over and over.
Most people finish the form in about two minutes and see their results right away.
Yes. Apply from your phone or computer any time, then come in and shop knowing what you have to work with. You can also apply here at the store and we'll help you through it.
That depends on the offer you receive. Amounts and terms vary by provider and by applicant, and you'll see the specifics before you agree to anything.
Some financing options ask for an initial payment and some don't. Anything required will be shown to you in your agreement before you sign.
Your exact payment, term and any fees come from the financing provider and appear in your agreement. The calculator on this page is only an estimate to help you plan.
Not every item is. Give us a call at (706) 682-1616 or ask at the counter and we'll tell you what your financing can be used for.
See if You Pre-Qualify
Multiple Providers • Regardless of Credit
Still have a question? Call the store at (706) 682-1616 — we're happy to walk you through it.
Come see us
We've been on Victory Drive since 1993. Bring your questions — and bring your jewelry back any time for a free cleaning and inspection.
Two minutes
No obligation, no commitment, and no effect on your credit score to check.
See if You Pre-Qualify
Multiple Providers • Regardless of Credit
Financing is provided by third-party financing providers, not by Larry Love's Diamond Exchange. Larry Love's Diamond Exchange does not make credit decisions, does not set rates, terms or fees, and is not a lender or a broker.
Submitting an application does not mean you will be approved. Approval, the amount you may finance, and all terms are determined solely by the financing provider and are subject to that provider's underwriting criteria, applicable state law, and product availability in your state. Not all applicants will qualify, and not all merchandise is eligible for financing.
Pre-qualification is based on information you provide and typically involves a soft credit inquiry, which does not affect your credit score. Pre-qualification is not a commitment to extend credit and is not a guarantee of approval. Additional verification may be required before any offer becomes final.
The payment calculator on this page is provided for illustration and general planning only. It is not an application, an offer of credit, a quote, or an approval. Estimated weekly payments are calculated using a simplified formula (purchase price multiplied by 2.2, divided by 52) and do not include or reflect any interest rate, APR, finance charge, lease cost, fee, tax, delivery charge, down payment or initial payment, promotional term, or early-purchase option. Your actual payment amount, payment frequency, total cost, and term will be determined by the financing provider you are matched with and may be significantly higher or lower than the estimate shown. Estimates assume the full purchase price is financed. Taxes and any applicable fees are not included.
Some financing options offered may be lease-to-own or rental-purchase agreements rather than loans or credit. Lease-to-own is not credit, is typically more expensive than paying cash, and ownership is obtained only after all required payments are made or by exercising an early-purchase option. Review your agreement carefully for the total amount you will pay.
Review all documents and disclosures from your financing provider before signing. If you have questions about a specific item, price, or program, please contact Larry Love's Diamond Exchange at (706) 682-1616. Store hours, pricing, and product availability are subject to change without notice.
