Jewelry Financing Options

What is Affirm financing?

Affirm offers clear, simple financing for your online purchases in just a few clicks:

1. Add your desired items to your shopping cart and select the Affirm payment option on our checkout page.
2. Enter a few basic pieces of information to identify yourself. Affirm will instantly let you know if you are approved for a loan.
3. Review your payment plan details and click “confirm” to finalize the loan. Once you’re done, your purchase will be on its way! Just remember to pay your bills on or before their due dates or sign up for autopayment at http://www.affirm.com/pay.

What type of financing does Affirm offer?

With options that allow you to control your budget, Affirm provides the option for 3, 6, or 12 monthly payments and rates from 10-36% APR based on your credit. For example, on a $700 purchase, you may pay $63.18 for 12 months with a 15% APR. Actual rates will be shown at checkout.

 

Does Affirm perform a credit check?

To verify your identity and provide you with a financing offer when you sign up, Affirm does a ‘soft’ credit check that does not affect your credit score. If you choose to complete a purchase and finance it with Affirm, they will do a single ‘hard’ credit check when your first order is processed. This may have a minor impact on your credit score. Future purchases with Affirm will not require additional ‘hard’ credit checks

 

Do I have a credit limit with Affirm?

Affirm has no fixed credit limit. They underwrite each loan individually taking into account the merchant, items purchased, and other information available at the time of purchase. Customers can take out multiple Affirm loans at once, as each Affirm loan application is evaluated separately as a closed-end transaction.

 

Does Affirm charge any fees or interest?

Affirm charges a small finance charge when you split your purchase into multiple payments. They will always clearly state the cost of the finance charge in terms of real dollars ($) and an Annual Percentage Rate (APR) so that you can know exactly what you’re paying. Affirm never charges any compounding interest and there are no hidden fees.

 

Why was I prompted to pay a down payment with a debit card?

Unfortunately, Affirm is not always able to approve the full amount of your order. If this happens, they will provide a debit card down payment option so that you may still complete your purchase right away.

 

Why was I prompted for a checking account?

To consider a credit application, Affirm sometimes requires additional information. This may include requesting an active checking account number, which helps them verify your identity and your ability to repay the requested loan. If Affirm prompts you for this information, but you are unable to provide it, Affirm will be unable to approve your credit application.

 

How do I open an account with Affirm?

After selecting the items you would like to purchase, you can apply for an account with Affirm in our checkout process.

 

Where can I find more information about Affirm?

To learn more about Affirm and their financing options, please visit https://www.affirm.com/faqs/.

 

 

 

What are Installments with Afterpay?

Installments with Afterpay is a service that allows you to make purchases now and pay for them over time. To learn more, visit www.afterpay.com

 

How do I use Installments with Afterpay?

Simply shop online and add items to your shopping bags and checkout as normal. At the checkout, choose Installments with Afterpay as your payment method. First-time customers will need to register with Afterpay and provide payment details, as usual, returning customers simply log in to make their purchase. It's that easy!

Please note that all items in your shopping bag must be eligible for Installments with Afterpay. A minimum purchase amount may apply and you must meet additional eligibility requirements to qualify.

 

Where can I use Installments with Afterpay?

Installments with Afterpay can only be applied to purchases made on haverhill.com website.

Payment options depend on purchase amount.

 

Can I use Installments with Afterpay? if I'm an international customer?

Afterpay is only offered to our customers who have a US billing address, US shipping address, a US credit card, debit card, or bank account, and a US mobile phone number. Customers with international billing addresses, shipping addresses, and/or phone numbers will not be able to set up an account with Afterpay.

 

How does the payment schedule work?

For pay-in-4 payments, generally customers are required to make their down payment at the time of purchase, with the remaining three payments deducted every two weeks from your chosen payment method.

For monthly payments, customers may be required to make a down payment at the time of purchase. The remaining payments will be deducted every month from your payment method until all scheduled payments are complete.

For all Afterpay payments, you can log in to your Afterpay account to view your payment schedule and make a payment before the due date if you choose to do so.

Where can I find common questions about payments?

Check out the Afterpay Payments FAQ.

 

When will my items be delivered if I use Installments with Afterpay?

Afterpay orders are delivered pursuant to delivery time frames presented by haverhill.com after you complete your order online.

 

Is there a limit to how much I can spend on a single transaction?

Yes, transaction value limits apply to purchases made on haverhill.com using installments by Afterpay.

 

Are there products that are not eligible for purchase using Installments with Afterpay?

There are no items restricted from purchase with Afterpay.

 

How do I return or exchange an item purchased using Installments with Afterpay?

Subject to Haverhill Inc. return and refund policies, if you have changed your mind, you may be able to return your Afterpay purchase for a refund. Please check that your return or exchange meets Haverhill Inc. policy here. Afterpay will be notified of your return and will process the appropriate refunds. Please do not return your purchase to Afterpay.

If you are fully returning items you purchased using the monthly payments option and a refund is owed, any amounts paid towards the good or service will be refunded; any interest that has already been paid will not be refunded. You may be charged interest for the period of time before your refund is processed.

If you believe there is fault or concern with your Afterpay purchase payment, please contact Afterpay customer support at info@afterpay.com

 

What happens if I don't pay my Afterpay installments on time?

You will be prevented from using Afterpay and you may be charged a late fee.

 

What happens if i have a partial refund, and how does that affect my payments?

Afterpay will be notified once your refund is processed.

If you purchased using pay-in-4, your payment plan will be automatically adjusted to reflect the new total order value starting with the last payment and working backward. In the case where a refund amount is larger than 25% of the total order, Afterpay will eliminate the fourth installment payment and apply the remaining amount to your earlier payments.

If you purchased using monthly payments, interest already paid will not be refunded. Any amounts paid toward the good or service will be adjusted, interest will be recalculated based upon the adjusted amount.

 

Does Afterpay charge interest?

Pay-in-4 purchases are always interest-free.

Monthly payments may include interest. If your installment loan includes interest, you will be able to see the amount you will owe before completing the purchase.

 

Where can I find out more about Afterpay?

If you would like to know more about Afterpay, visit the Afterpay website www.afterpay.com for a comprehensive list of FAQs, Terms of Service, Pay-in-4 Installment Agreement, Monthly Payment Loan Agreement as well as Afterpay's Privacy Policy.

If you have any questions about your Afterpay account, please contact Afterpay directly via a web form found here.