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More cred. Less dread.

Meet with a credit expert.

At each Harry Ritchie’s location, we have credit experts to assist you in your search for the perfect payment plans. The options are endless. Fill out this quick request to schedule an appointment with one of our awesome associates. We’ll confirm. See you soon!

Get just what you want and pay for it just the way you want. Work with our credit experts to create payments that fit your budget. It only takes a few minutes at any of our locations to get you started. You’re approved, because you rock.

Get started

HR Credit accounts are your way to custom-tailored in-house financing


Pick out something fabulous.


Stop by.

(psst, you’ll need to bring your id)


That’s it, you’re approved to bling.

The perks
(and then some)

Early Payoff Incentive

Pay off your account within 90 days of purchase and we’ll remove the interest from your final payment amount.

Up to $100 new member gift card

Open an account and with your first account purchase, you’ll be gifted up to $100 to use next time!

Rebate gift cards

Each year, just in time for holiday shopping, receive up to $300 back on a rebate gift card.

VIP jewelry repair pricing

VIP Pricing on jewelry repair services when you use your HR Credit account.

Share the love

For each friend or family member you refer to open an HR Credit Account, you get a $20 gift card.

Already have an account?

To make an online payment on an existing account, click here to be redirected to our payment portal.

To make an account payment over the phone, call your local store or (800) 275-1951.

Engagement ring & wedding band in jewelry case on modern coffee table.

If you are being impacted by COVID-19, please know that we care about you and are available to talk through any account questions or concerns you may have. Don’t hesitate to call us at (800) 275-1951. As a community, we are in this together, and only together, will we overcome this.