Jewelry Financing

Jewelry Financing

We hear you loud and clear! Fox’s Seattle is partnering with Affirm to introduce jewelry financing plans. Together, we’re creating a conveniently simple way to get you wearing your custom designer jewelry today. Buy now and pay later with monthly installments, zero hidden fees, and zero surprises.

In the past, jewelry stores had often relied on independent store credit cards and payment plans to help customers cover designer bracelets and bling. Unfortunately, this system could quickly get confusing for jewelry aficionados shopping from multiple retailers, with credit checks and pages of fine print leading unsuspecting customers astray. Affirm keeps jewelry simple and affordable by allowing you to pay at the pace that’s right for you, while tracking exactly what you owe over a period of time. Forget about late fees– what you see is what you pay. Best of all, when you sign up to purchase your jewelry with a payment plan from Affirm, you’ll get to use your same account at thousands of stores across the country.

How to Finance Your Jewelry

The first step to financing your jewelry with Affirm is to sign up for an account. Easy, right? As soon as that’s out of the way, you’ll have the option to either prequalify or apply for a jewelry loan. If you choose to prequalify, you’ll be given an estimate of what a lender may qualify you to borrow in the future. It’s up to you whether you choose to borrow the full amount, and you’re free from any obligations related to this estimate until you actually borrow it. This differs from a credit limit, which is the maximum amount of credit a lender has already decided you may borrow. Prequalifying can be done in just a minute in store or online, and won’t affect your credit. However, prequalification doesn’t guarantee that the amount you want to borrow will be approved. For guaranteed approval, you’ll need to apply for a jewelry loan.

Apply for a Jewelry Loan

Once you decide to apply for a jewelry loan, a number of factors will be taken into consideration. These factors include eligibility requirements and individual history including credit score, income verification, and any outstanding loans you might already have with Affirm. The application process includes defining the length of your repayment plan. This is where our partnership really shines– choose from term lengths lasting your choice of 6, 12, or 36 months. For example: on a $700 purchase, you may pay $63.18 for 12 months with a 15% APR. It’s up to you!  And remember– even if you miss a payment, there are zero late fees. Loan requests are processed quickly, and you can expect to receive a decision within two business days. If your loan is not approved, you may be eligible at a later date. Try reapplying, or reach out to Affirm to learn more about your circumstances.

Once your loan is approved, go ahead and make the purchase of your dreams! Browse our online collection, or come in to speak with our expert gemologists to try on our handcrafted designer jewelry in person. Fox’s is incredibly excited to continue bringing expert jewelers and jewelry fans together, while making it more affordable than ever for you to finance heirloom jewelry and support the artisans you love. Your rate will be between 0% and 36% APR based on credit, and is subject to an eligibility check. Payment options through Affirm are provided by these lending partners: Options depend on your purchase amount, and a down payment may be required.