Custom Engagement Ring Financing & Payment Options
By Lavora Diamonds, Provo, Utah. Updated October 2026.
Can you finance a custom engagement ring?
Short answer: yes. At Lavora Diamonds, financing is available on custom lab-grown and natural engagement rings: Klarna and Affirm can be used on your invoice, subject to their approval. Production begins after 3D approval and payment, and financing is a way to spread the cost over time.
How payment works at Lavora
| Step | What you pay |
|---|---|
| 3D render | $50 design fee, fully refundable and credited to your ring |
| Start production | Production begins after 3D approval and payment (payments on custom orders are non-refundable once production begins) |
| Financing | Klarna or Affirm on your invoice, subject to their approval |
| Rush | $250 for 14–21 days instead of 4–5 weeks |
| Shipping | Free and fully insured anywhere in the US |
Can I pay monthly for a custom lab-grown ring?
Yes, through Klarna or Affirm on your Lavora invoice. The provider shows you the plan, payment schedule and interest before you accept, so check those terms the same way you would check a diamond certificate.
Is there financing with no credit check?
Approval for Klarna and Affirm is decided by those providers, not by Lavora. If you would rather not finance, production begins after 3D approval and payment.
What do Lavora rings cost?
Complete engagement rings have a $2,000 minimum. Real completed Lavora builds:
| Build | Price |
|---|---|
| 2.00ct marquise · 14K yellow · bezel solitaire | $2,149 complete |
| 3.50ct oval · 14K yellow · hidden halo | $2,799 complete |
| 4.02ct E / VVS2 oval · 14K yellow | $3,349 complete |
Completed prices are past Lavora builds (completed ring prices · price per carat index); design-desk estimates are ranges, not fixed prices. Your exact price comes with your 3D model.
Tips before you finance a ring
- Price the ring first, then decide how to pay.
- Read the interest rate and total cost the provider shows you.
- Get the IGI report number and verify it at igi.org before you pay.
- Keep the written quote: carat, color, clarity, cut, metal and report number.
Every lab-grown center is IGI-certified, and our standard is VS1 clarity or better (D–F color and VVS clarity are available as upgrades). You see a 3D render first, often within 24–48 hours, for a $50 design fee that is fully refundable and credited to your ring, with unlimited revisions. Delivery takes 4–5 weeks after 3D approval and payment, and a $250 rush (14–21 days) is available. Engraving is complimentary, US shipping is free and fully insured, and every ring comes with a Lifetime craftsmanship warranty, plus a free resize within 60 days.
Want a real number for your ring? Text us a photo or idea and we text back a private soft quote. No sales call required. Text us any time. We text back your price in about 12 hours.
Text 385-592-7180 · Price my ring
Complete engagement rings have a $2,000 minimum. Prices shown are estimates or past builds; your exact price comes with your 3D model.
FAQ
Can you finance a custom engagement ring?
Yes. At Lavora Diamonds, financing is available on custom engagement rings: Klarna and Affirm can be used on your invoice, subject to their approval. Production begins after 3D approval and payment.
Can I pay monthly for a custom lab-grown engagement ring?
Yes, through Klarna or Affirm on your Lavora invoice, subject to their approval. The provider shows you the plan and its terms before you accept.
Is there engagement ring financing with no credit check?
Klarna and Affirm make their own approval decisions, not Lavora. If you would rather not finance, production on a Lavora ring begins after 3D approval and payment.
How does payment work for a custom engagement ring?
At Lavora, production begins after 3D approval and payment, and Klarna or Affirm can be used on your invoice, subject to their approval. The $50 design fee for your 3D render is separate: it is fully refundable and credited to your ring. Payments on custom orders are non-refundable once production begins.
What is the minimum for a financed ring?
Complete Lavora engagement rings have a $2,000 minimum. Real completed builds include a 3.50ct G VS1 cushion at $3,597 and a 4.02ct E/VVS2 oval at $3,349.
Can I spread the cost of a custom engagement ring?
At Lavora Diamonds, production begins after 3D approval and payment. To spread the cost, Klarna or Affirm can be used on your invoice, subject to their approval. The $50 design fee for your 3D render is separate: it is fully refundable and credited to your ring.
See also: 3D render, revisions and engraving · completed ring prices · how long a custom ring takes
Lavora Diamonds · 412 West Rivers Edge Drive, Provo UT 84604 · text 385-592-7180