Jewelry That Works for Your Credit
The Monetary Jewelers Charge Card (MJC Card) reports your payments to major credit bureaus.
No credit check. Options for most credit profiles. Apply in about 5 minutes.
Payment activity reported to major credit bureaus
Four Steps to Better Credit History
1. Browse & Choose
Explore our collection of engagement rings, wedding bands, earrings, and necklaces
at monetaryjewelers.com.
2. Apply for the MJC Card
Complete a quick application — about 5 minutes. No credit check required.
High approval rates with options for most credit profiles. $1,500 minimum purchase.
3. Make Your Purchase
Pay 34% down and set up your monthly payments. Choose autopay for convenience,
or pay manually each month. Minimum payment is $50 or 7% of your balance.
4. Build Your Credit History
Your payment activity is reported to major credit bureaus every month.
On-time payments can help build your credit history over time.
Estimate Your Monthly Payment
| Your Purchase | Down Payment (34%) | You Finance | Monthly Payment* |
|---|---|---|---|
| $1,500 | $510 | $990 | $70/mo |
| $1,750 | $595 | $1,155 | $81/mo |
| $2,000 | $680 | $1,320 | $93/mo |
| $2,500 | $850 | $1,650 | $116/mo |
| $3,000 | $1,020 | $1,980 | $139/mo |
No prepayment penalty. Pay off your account early and save on interest — there’s every incentive to pay it down faster.
*Monthly payment is 7% of financed balance or $50, whichever is greater. Does not include interest. 19.90% APR. $1,500 minimum purchase required. Revolving account. Your actual payment may vary.
Why the MJC Card
Frequently Asked Questions
Does the MJC Card require a credit check?
No. The MJC Card does not require a traditional credit check for approval, making it an option for most credit profiles.
Does the MJC Card report to credit bureaus?
MJC Card reports payment activity to major credit bureaus.
How much is the down payment?
The down payment is 34% of your order total. For example, on a $1,500 purchase, the down payment would be $510.
What is the monthly payment?
Monthly payments are 7% of your financed balance, with a minimum of $50 per month. For a $1,500 purchase with 34% down, the financed balance is $990, making the monthly payment approximately $70.
What is the interest rate?
The MJC Card has an annual percentage rate (APR) of 19.90%.
How does the MJC Card help build credit history?
Payment activity on the MJC Card is reported to major credit bureaus. On-time payments can help build your credit history over time.
How do I apply for the MJC Card?
You can apply directly at mjccard.com or start shopping on monetaryjewelers.com and select financing at checkout. The application takes about 5 minutes. $1,500 minimum purchase required.
Can I pay off my balance early?
Yes. There is no prepayment penalty. The MJC Card is a revolving account with no set payment period. You can pay more than the minimum or pay off your balance at any time — and you’ll pay less interest the faster you pay it down.
What happens after I’m approved?
Once approved, you’ll choose your jewelry and submit your down payment (34% of the purchase price). Your order ships after the down payment is processed — most items ship within a few business days, though custom or made-to-order pieces may take 2–4 weeks.
Is financing available for all products?
Yes. MJC Card financing is available for all products on monetaryjewelers.com, including engagement rings, wedding bands, earrings, and necklaces. $1,500 minimum purchase required.
Ready to Get Started?
Applying takes about 5 minutes. No credit check. No obligation.
By clicking, you’ll be redirected to mjccard.com to complete your application.
MJC Card is owned and operated by the same team behind Monetary Jewelers.