The time to buy your next piece of jewelry is now. With Bling Advisor, you can finance jewelry online in just minutes!
We Offer Affirm for The Bling Shop and PayPal Credit for Custom Jewelry
Overview
What is Affirm?
Affirm is a financing alternative to credit cards and other credit-payment products. Affirm offers instant financing for online purchases to be paid in fixed monthly installments over 3, 6, or 12 months.
Affirm is a financing alternative to credit cards and other credit-payment products. Affirm offers instant financing for online purchases to be paid in fixed monthly installments over 3, 6, or 12 months.
 “Payment options through Affirm are subject to eligibility, may not be available in all states, and are provided by these lending partners: affirm.com/lenders. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lenders Law license.”
What is PayPal Credit?
PayPal Credit is an open end (revolving) credit card account that provides a reusable credit line built into your account with PayPal giving you the flexibility to pay for your purchases right away or pay over time. It’s easy to apply, easy to use and there whenever you need it. PayPal Credit is subject to credit approval and is offered by Synchrony Bank.
How do I apply for PayPal Credit?
When you apply for PayPal Credit, you’ll be asked to provide your date of birth, your income after taxes, the last 4 digits of your Social Security number, and agree to the Terms and Conditions. You’ll know within seconds if you are approved. And here’s the cool thing: your PayPal Credit account will be linked to your account with PayPal and you’ll see it as a payment option every time you check out with PayPal.
Why buy with Affirm?
- Buy and receive your purchase right away, and pay for it over several months. This payment option allows you to split the price of your purchase into fixed payment amounts that fit your monthly budget.
- If Affirm approves your loan, you’ll see your loan terms before you make your purchase. See exactly how much you owe each month, the number of payments you must make, and the total amount of interest you’ll pay over the course of the loan. There are no hidden fees.
- The application process is secure and real-time. Affirm asks you for a few pieces of information. After you provide this information, Affirm notifies you of the loan amount that you’re approved for, the interest rate, and the number of months that you have to pay off your loan — all within seconds.
- You don’t need a credit card to make a purchase. Affirm lends to the merchant directly on your behalf.
- You may be eligible for Affirm financing even if you don’t have an extensive credit history. Affirm bases its loan decision not only on your credit score, but also on several other data points about you.
- Affirm reminds you by email and SMS before your upcoming payment is due. Enable Autopay to schedule automatic monthly payments on your loan.
What is required to have an Affirm account?
What if I do not currently have an account with PayPal?
You will need an account with PayPal to apply for PayPal Credit. Once you’ve signed up for PayPal, you can begin the application for PayPal Credit. Signing up for PayPal is free.
What is required to have an Affirm Account
To sign up for Affirm, you must:
- Be 18 years or older (19 years or older in Alabama or if you’re a ward of the state in Nebraska).
- Not be a resident of Iowa (IA) or West Virginia (WV).
- Provide a valid U.S. or APO/FPO/DPO home address.
- Provide a valid U.S. mobile or VoIP number and agree to receive SMS text messages. The phone account must be registered in your name.
- Provide your full name, email address, date of birth, and the last 4 digits of your social security number to help us verify your identity.
Finance Jewelry Online: The Process
How does Affirm work?
Affirm loan-application process steps:
- At checkout, choose Pay with Affirm.
- Affirm prompts you to enter a few pieces of information: Name, email, mobile phone number, date of birth, and the last four digits of your social security number. This information must be consistent and your own.
- To ensure that you’re the person making the purchase, Affirm sends a text message to your cell phone with a unique authorization code.
- Enter the authorization code into the application form. Within a few seconds, Affirm notifies you of the loan amount you’re approved for, the interest rate, and the number of months you have to pay off your loan. You have the option to pay off your loan over three, six, or twelve months. Affirm states the amount of your fixed, monthly payments and the total amount of interest you’ll pay over the course of the loan.
- To accept Affirm’s financing offer, click Confirm Loan and you’re done.
After your purchase, you’ll receive monthly email and SMS reminders about your upcoming payments. You can also set up autopay to avoid missing a payment. Your first monthly payment is due 30 days from the date that we (the merchant) process your order.
Affirm is a financing alternative to credit cards and other credit-payment products. Affirm offers instant financing for online purchases to be paid in fixed monthly installments over 3, 6, or 12 months.
How does the PayPal Credit “No Interest if paid in full in 6 months on purchases of $99 or more” offer work?
You’ll enjoy No Interest if paid in full in 6 months on purchases of $99 or more. Interest will be charged to your account from the purchase date if the balance is not paid in full within 6 months. Minimum monthly payments required.
How does Affirm approve borrowers for Loans?
Affirm asks for a few pieces of personal information: Name, email address, mobile phone number, date of birth, and the last four digits of your social security number.Affirm verifies your identity with this information and makes an instant loan decision.Affirm bases its loan decision not only on your credit score, but also on several other data points. This means that you may be able to obtain financing from Affirm even if don’t have an extensive credit history.
How does Affirm perform a credit check? Does it impact my credit score?
Affirm asks for a few pieces of personal information: Name, email address, mobile phone number, date of birth, and the last four digits of your social security number. Affirm verifies your i Although Affirm performs a credit check when you apply for a loan, this won’t impact your credit score. However, if you’re approved and decide to buy with Affirm, your loan and payments may affect your credit score. Paying on time can help you build a positive credit history.
Why was I denied financing by Affirm?
The merchant has no information regarding a customer’s financing denial. Affirm strives to offer all credit-worthy applicants financing with Affirm, but isn’t able to offer credit in every case. Affirm will send you an email with more details about its decision. Unfortunately, Affirm’s decision is final.
Why was I asked to verify my Identity?
If Affirm has difficulty confirming your identity, you may need to provide more information. Affirm uses modern technology to confirm your identity, including verifying your address or full SSN, or requesting a photo of your ID. Affirm takes these steps in some cases to counter fraud and provide the most accurate credit decision they can.
Why was I prompted to enter my income?
If Affirm has difficulty confirming your identity, you may need to provide more information. Affirm uses modern technology to confirm your identity, including verifying your address or full Affirm may sometimes need more information about your finances and your ability to repay in order to make a credit decision. Your income gives Affirm additional insight into your ability to repay.
Why was I prompted for my checking Account?
Affirm may sometimes need more information about your finances and your ability to repay in order to make a credit decision. If you are prompted to link your checking account and would like to proceed, please provide the login information for your online bank account. Affirm does not store your online login credentials—they are transmitted securely to your bank.
If Affirm asks you to link your checking account, Affirm won’t be able to offer you credit if:
- Your bank is not listed
- You choose not to link your checking account
You don’t use online banking
The username and / or password you provide is incorrect
*You’re unable to successfully connect your checking account
Why is my Bank not listed?
Although Affirm is continually adding support for additional banks, they aren’t able to connect to every bank at the present time. We apologize for the inconvenience. If you’re unable to connect your bank, you’ll need to complete your purchase with another payment method.
Why was I prompted for a down payment?
Affirm isn’t always able to offer credit for the full amount you request. In these cases, Affirm asks you to make a down payment with a debit card for the remainder of your purchase. The down payment amount can’t be changed and must be made upon confirming your loan and before the loan offer expires
Will I see how much interest I am paying prior to accepting my loan?
Yes! Affirm works hard to be completely transparent. You’ll see the amount of interest you’ll owe on the terms page and again on the loan confirmation page. If you pay off your loan early, you’ll receive a rebate for any interest that hasn’t yet accrued.
Why can’t customers outside the US use Affirm?
Affirm is available only to shoppers residing in the United States. Affirm hopes to expand its services to customers outside the U.S. in the future.
Interest Rates & Fees
What are Affirm’s fees?
The annual percentage rate (APR) on an Affirm loan ranges from 10% to 30%. Affirm discloses any required fees upfront before you make a purchase, so you know exactly what you will pay for your financing. Affirm does not charge any hidden fees, including annual fees.
Is there an annual fee with PayPal Credit?
No! There is no annual fee to use PayPal Credit.
Why is my Affirm interest rate so high?
When Affirm determines your annual percentage rate (APR), it evaluates a number of factors, including your credit score and other data about you. If you finance future purchases with Affirm, you may be eligible for a lower APR depending on your financial situation at the time of purchase.
This APR calculator will give you an idea of how much interest you actually pay: https://www.affirm.com/apr-calculator/
When you consider Affirm financing, carefully evaluate the loan terms that Affirm offers you and determine whether the monthly payments fit your budget.
How is interest on an Affirm loan calculated?
Affirm calculates the annual percentage rate (APR) of a loan using simple interest, which equals the rate multiplied by the loan amount and by the number of months the loan is outstanding.
This model differs from compound interest, in which the interest expense is calculated on the loan amount and the accumulated interest on the loan from previous periods. Think about compound interest as “interest on interest,” which can increase the loan amount. Credit cards, for example, use compound interest to calculate the interest expense on outstanding credit card debt.
Making Payments & Refunds
How do I make payments?
Affirm calculates the annual percentage rate (APR) of a loan using simple interest, which equals the rate multiplied by the loan amount and by the number of months the loan is outstanding.
Before each payment is due, Affirm sends you an email or SMS reminder with the installment amount that is coming due and the due date. You have the option to sign up for autopay, so you don’t risk missing a payment.
Follow these steps to make a payment:
- Go to www.affirm.com/account.
- Enter your mobile phone number. Affirm sends a personalized security PIN to your phone.
- Enter this security PIN into the form on the next page and click Sign in.
- After you sign in, a list of your loans appears, with payments that are coming due. Click the loan payment you would like to make.
- Make a payment using a debit card or ACH bank transfer.
How do I pay my PayPal Credit bill?
At any time, you can choose to make a one-time payment or schedule automatic payments towards your balance due. You can pay from either your PayPal Balance Account, or your linked bank account conveniently on PayPal.com.
You can also mail your payments to:
PayPal Credit
P.O. Box 960006
Orlando, FL 32896-0006
Or, you can call our customer service department at 1-844-373-4961 to make a payment.
Note: When mailing a payment, please make sure you include your PayPal Credit account number or payment stub.
If I return an item, how do refunds work?
Follow these steps to make
A refund posts to your Affirm account if we process your refund request. In the event that we issue you store credit instead of a refund, you are still responsible for paying off your Affirm loan.
If you have already made loan payments or a down payment, Affirm issues a refund credit to the bank account or debit card that you used to make the payments.
Paid interest
We do not refund any paid interest
How long does it take to get my money back in the event of a return?
A refund credit appears in your account within three to ten business days, depending on your bank’s processing time.
Can I amend my order after my purchase has been processed? Can I be approved for a higher loan amount if my purchase amount increases?
A refund credit appears in your account within three to ten business days, depending on your You cannot edit your order after you have confirmed your loan. If you want to add items to your purchase, apply for another loan with Affirm or use a different payment method.