Most best gift for holidays and birthdays - this is jewelry, however, this is also the most expensive gift. And it is not always possible to spend a large amount of money on such an expensive jewelry accessory at a time. But a loan or installment plan for gold jewelry and products is a way out of the situation. Now you can take a loan in any shopping center, but this is the last century. The latest trend is a loan in an online store. And now you can afford to buy gold in installments - diamond, gold, platinum and silver jewelry, immediately via the Internet. Online loans in online jewelry stores are now very popular and almost every major online jewelry store offers to buy their products under various loan programs. Here you can find out how and where you can buy gold and other jewelry on credit without leaving your home in Moscow, the Moscow region and throughout Russia. The stores listed here have a large selection of jewelry on installment - gold and silver chains and bracelets, wedding rings and engagement rings, men's and women's watches, seals, earrings and much more.

Online store "ADAMAS" - I present to your attention the online version of a large chain jewelry store. But since the size of the online catalog can be almost limitless, then, unlike chain stores, the ADAMAS online store has a huge assortment of various jewelry and items made of gold and silver, luxury jewelry, gold and gold-plated men's and women's watches, fashion accessories, precious souvenirs and gifts. On the site you will find not only a large number of jewelry and accessories, but you can also buy all these gold jewelry on credit. The amount for which you can arrange an installment plan is from 3 to 500 thousand rubles, the term is from 3 to 37 months, without a down payment. If for some reason you do not like loans and installments, then you can pay for the purchased gold jewelry in cash or bank cards (VISA and MasterCard) and electronic money (QIWI wallet, Yandex.Money and Webmoney).

- this online jewelry store has an extensive network of retail jewelry stores, which are located in many Russian cities. In the online store itself, you will not be able to apply for an online loan, but on the other hand, you can apply for a loan or installment plan for jewelry and gold items in offline stores. Yes, buy online golden decoration you can’t get a loan, but on the site you can book the jewelry you like and arrange its delivery to the nearest jewelry store of the Line of Love, and already in this salon you can arrange an installment plan for the ordered gold or silver jewelry. In the salon you will be offered lending programs from banks: Home Credit, Russian Standard and OTP Bank. To apply for a loan, you must have a passport or other identity document. The minimum purchase amount for a loan is 10,000 rubles. As for the assortment, the catalog of this online store has a huge selection various decorations from gold and silver - wedding and engagement rings; gold and silver earrings inlaid with diamonds, emeralds, rubies and other precious and semi precious stones; men's and women's chains, bracelets and other jewelry.

- the largest jewelry store and products made of gold and silver. The Almaz-Holding store has several programs from as many as six Russian banks at once - Leto Bank, Otkritie Bank, METROBANK, Vostochny Express Bank, Renaissance Credit and Home Credit and Finance Bank. Under these programs, you can choose a credit system that is convenient for you and take on credit everything that is sold in the Almaz-Holding store. And in this store you can buy everything related to jewelry - wedding jewelry, men's and women's jewelry, jewelry for children, silverware, Orthodox utensils, watches and other gold, platinum and silver products. Another feature of this store is that they can buy jewelry on credit not only from Moscow and the Moscow region, but throughout Russia - Voronezh, St. Petersburg, Chelyabinsk, Krasnoyarsk, Perm, Saratov, Yekaterinburg, Novosibirsk, Orenburg, Samara, Rostov and others.

is another large online store jewelry. The store catalog contains more than 30 thousand items of gold and silver items with diamonds and other precious stones and pearls. The online store itself is part of the Topaz group of companies, which has its own jewelry production. So 90% of the jewelry presented on the site is made in our own factory. As for the opportunity to buy gold jewelry on credit, there is no online installment plan in the store, but you can buy gold jewelry on credit at the nearest offline jewelry store. But on the site, you can book the selected jewelry and then come to the jewelry store and get a loan for this reserved jewelry. KARATOV cooperates with the network of jewelry stores Line of Love and this network has more than 130 stores in 54 cities of Russia. Three banks offer a loan for jewelry in KARATOV at once - Russian Standard Bank, Home Credit and Finance Bank, OTP Bank.

- in general, initially this store was engaged in the sale of watches and interior watches, but now it is actively selling jewelry and ornaments. The store has a huge catalog of various products made of gold and silver with diamonds, topazes, garnets, cubic zirconias and other precious and semi-precious stones. You can buy gold and silver items in the Bestwatch online store online at the expense of Russian Standard Bank. The minimum amount at which you can buy gold jewelry on credit is 3,000 rubles. But I want to immediately warn potential recipients of an online loan for gold that this is a loan and it must be repaid. If you really want to buy gold jewelry and you don't have enough money, then please apply. And if you mindlessly issue gold on credit in order to resell it later, then below are links to online loans directly through the bank. There you can get a cash loan and issue a credit card.

- judging by the name, it is clear that this store is mainly engaged in the sale of watches, but if you visit this store, it is clear that watches have long been not the main profile of this store. The store even sells musical instruments, but we are interested in gold and silver items. AllTime has a separate section-catalog of jewelry, where you can choose and buy - gold and silver rings, brooches, wedding rings, necklaces and pendants, earrings, etc. And, of course, all this gold and silver can be bought on credit . Everything is as usual - choose a product, click buy on credit, fill out a questionnaire and wait for a call from the manager from the store. The amount for which you can take a loan ranges from 5,000 to 200 thousand rubles, so you can afford to get a loan and buy a simple gold ring or an expensive diamond necklace. For full details and terms and conditions, please visit the store's website.

is a unique store, one might even say not just a store, but a megamarket where you can buy everything with delivery. Pretty much anything but food. The store has sections - for home and garden, children's goods, household chemicals, appliances and electronics, for cars, sporting goods, pet products and, of course, sections of jewelry, watches and other accessories. This store delivers goods throughout Russia and it has many small sales offices in many Russian cities. In Bronnitsky Jeweler, everything that is sold can be bought on credit, but in different sections there are different conditions for lending. You can look at the installment plan for gold and other jewelry and the conditions for it on the store’s website. But it should be said right away that there are not many credit programs in this store, installments for gold and jewelry in the Bronnitsky Jeweler are provided by OTP Bank. A loan for gold and silver can be issued in Moscow, Tula, Ryazan and Kaluga with home delivery or delivery to the Bronnitsky jeweler store.

– since the creation of this online store, its assortment has mainly included: inexpensive men's, women's and children's shoes, clothes and accessories; but recently this store has been actively developing, and in addition to things, it began to sell jewelry. On the website of the store, they even marveled at a separate large section with jewelry and gold items. In this section you can order jewelry made of gold and silver - bracelets and brooches, necklaces and rings, cufflinks and pendants, earrings, chains, watches, silverware and souvenirs. There are several ways to pay for an order in the KupiVip.ru online store; as in many online stores, you can pay for the purchased jewelry in cash, bank cards and electronic money, and it is also possible to get an online loan for gold and silver jewelry. Installments for the purchase of jewelry and other goods are provided by the KupiVkredit lending system from Tinkoff Bank.

In conclusion, I present to your attention a few more online stores where you can buy jewelry and gold on credit. The main profile of these stores is not jewelry, but their catalog has separate sections where you can find a good range of products and accessories made of gold and silver.

ADAMAS and AmmoPay present the first project in jewelry retail to integrate an automated online POS lending service.

Starting from December, in all stores of the network, customers can take advantage of the opportunity to receive an instant loan with an interest-free grace period[i] of 28 days. Opening an AmmoPay credit line will take no more than 3 minutes, including registration and approval of the borrower. This project complements the ADAMAS loyalty program and the range of services provided by the company.

To open a credit line, the buyer only needs to enter personal data and the required amount in an automated form on the ammopay.ru website from any mobile device. The assessment of the borrower's reliability is carried out automatically: an innovative scoring model ensures that a decision on issuing a loan is made within a few seconds. If the loan is approved, the client instantly receives a payment code on his mobile device, which he presents at the checkout instead of cash or a bank card. The limit on purchases provided as part of the instant loan service is from 1.5 to 30 thousand rubles. It is possible to repay the loan at a time or in installments from a bank card, through payment terminals or Qiwi electronic wallet. The interest-free grace period for using the loan is 28 days, then the rate is 0.5% per day, the maximum loan period is 12 weeks from the date of purchase.

ADAMAS Operations Director Dmitry Baranov commented: “The situation when a piece of jewelry picked up by a buyer “did not wait until the salary” is a classic of jewelry retail and an emotional blow for a woman who already considered it hers. We have been looking for a solution for a long time that would help offset the consequences of a delayed purchase, and we are pleased to note the advantages of the service offered by our partners. The grace period provides excellent opportunities personal budget management, and, of course, a definite plus is the promptness of the decision to grant a loan. I believe the service will be in high demand. Especially on the eve of the New Year. After all, as you know, it is better to buy gifts in advance. Of course, for us, the presence of another service will become an additional competitive advantage in the long term.”

A pilot project to introduce an automated instant lending system in the ADAMAS network was launched in November in the flagship stores of Moscow, the Moscow Region, Krasnodar and Sochi. In December, it is planned to broadcast this service to all salons in Russia. As part of the AmmoPay project, the software for the functionality of acquiring operations has been improved, integration with cash register software has been implemented, automatic printing of the loan agreement on the purchase receipt has been ensured, i.e. manual operations are completely eliminated.

“ADAMAS became the first AmmoPay partner specializing in jewelry retail. We consider this direction to be one of the most promising for the automated online POS lending segment. Convenience, simplicity and intuitive use of the AmmoPay service by merchants, the ability to analyze sales statistics in personal account ADAMAS managers, according to our forecasts, will increase sales by 3-5%. AmmoPay's sales driver will be the interest-free use of borrowed money for four weeks,” said Anton Chichvarin, Commercial Director of AmmoPay.

The AmmoPay risk assessment model was developed by ID Finance holding and has proven its effectiveness in the MoneyMan online lending service. Currently, the average check for purchases through the AmmoPay service in partner stores is 18,200 rubles. According to the service, up to 80% of AmmoPay customers make repeated purchases in partner stores.

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For reference:

ADAMAS was founded in 1993. Today ADAMAS is the largest jewelry manufacturer, its own jewelry retail chain (more than 250 stores in all regions of the Russian Federation).

AmmoPay - Automatic online POS-lending service that allows customers to arrange installments for such categories of goods as clothing, shoes, accessories, furniture, household goods, sports, recreation and creativity, jewelry, cosmetics, as well as for services, for example, in the field of beauty industry, etc. It is part of the international holding of innovative consumer online lending ID Finance. The most famous asset of ID Finance is the MoneyMan online lending service, which operates in Russia, Kazakhstan, Georgia, and also in Spain. AmmoPay launched in August 2015. The service provides loans for up to 12 weeks in the amount of 1,500 to 30,000 rubles. The peculiarity of AmmoPay is that the borrower issues a loan in a few minutes right in the store on the project website from his mobile device connected to the Internet without the help of a loan consultant. The time to fill out the questionnaire takes no more than three minutes. The AmmoPay scoring model makes an instant loan decision, after which the borrower receives a special code on his smartphone or tablet, which he presents as payment for purchases at the checkout instead of cash or a bank card. The first 28 days of using borrowed funds are free.

Starting from December, in all stores of the network, customers can take advantage of the opportunity to receive an instant loan with an interest-free grace period of 28 days. Opening an AmmoPay credit line will take no more than 3 minutes, including registration and loan approval. The joint project complements the ADAMAS loyalty program and the range of services provided by the company.

To open a credit line, the buyer only needs to enter personal data and the required amount in an automated form on the ammopay.ru website from any mobile device. The assessment of the borrower's reliability is carried out automatically: an innovative scoring model ensures that a decision on issuing a loan is made within a few seconds. If the loan is approved, the client instantly receives a payment code on his mobile device, which he presents at the checkout instead of cash or a bank card. The limit on purchases provided as part of the instant loan service is from 1.5 to 30 thousand rubles. It is possible to repay the loan at a time or in installments from a bank card, through payment terminals or Qiwi electronic wallet. The interest-free grace period for using the loan is 28 days, then the rate is 0.5% per day, the maximum loan period is 12 weeks from the date of purchase.

COO ADAMAS Dmitry Baranov commented: “The situation when the jewelry chosen by the buyer “did not wait until the salary” is a classic of jewelry retail and an emotional blow for a woman who already considered it hers. We have been looking for a solution for a long time that would help offset the consequences of a delayed purchase, and we are pleased to note the advantages of the service offered by our partners. The presence of a grace period provides excellent opportunities for managing a personal budget, and, of course, a definite plus is the promptness of a decision to grant a loan. I believe the service will be in high demand. Especially on the eve of the New Year. After all, as you know, it is better to buy gifts in advance. Of course, for us, the presence of another service will become an additional competitive advantage in the long term.”

A pilot project to introduce an automated instant lending system in the ADAMAS network was launched in November in the flagship stores of Moscow, the Moscow Region, Krasnodar and Sochi. In December, it is planned to broadcast this service to all salons in Russia. As part of the AmmoPay project, the software for the functionality of acquiring operations has been improved, integration with cash register software has been implemented, automatic printing of the loan agreement on the purchase receipt has been ensured, i.e. manual operations are completely eliminated.

“ADAMAS became the first AmmoPay partner specializing in jewelry retail. We consider this direction to be one of the most promising for the automated online POS lending segment. Convenience, simplicity and intuitive use of the AmmoPay service by sellers, the ability to analyze sales statistics in the personal account of ADAMAS managers, according to our forecasts, will increase sales by 3-5%. AmmoPay's sales driver will be interest-free use of borrowed money for four weeks", - noted AmmoPay Commercial Director Anton Chichvarin.

The AmmoPay risk assessment model was developed by ID Finance holding and has proven its effectiveness in the MoneyMan online lending service. Currently, the average check for purchases through the AmmoPay service in partner stores is 18,200 rubles. According to the service, up to 80% of AmmoPay customers make repeated purchases in partner stores.