My friends fiancé had a ring in the family which saved him the hassle, maybe you can be as lucky as him. Even then they might want a bigger better Diamond.

Some places offer financing. Also you can do a custom ring today and pay it little by little and they give you the ring once it’s paid off. It can be a few months it can be a year.

Idk if you have a credit card but if you have good credit and open a new credit card with Discover or someone similar they offer 0% interest for the first year. I did that with my TV and PS5 and “financed” it with 0 interest and paid it off in about 6 months

I don’t consider myself financially responsible btw so maybe someone else can shed some light on it.