Financing for RingWraps
We offer two payment plan options. The first option is through Affirm. Paying with Affirm includes a soft credit check and interest rates at 10-30% APR. Easy, fixed payments can be made over 3, 6, or 12 months. This option can help build your credit. You won’t get dinged with any fees or penalties if you pay early. If you pay off your loan before the final payment is due, you’ll save on any interest that hasn’t accrued yet. You can pay with Affirm on our website.
The other payment plan option is through us and is considered a layaway plan. You can pay for your RingWraps for up to 18 months (equal payments each month). You would pay via ACH (checking or savings account) and your account would be automatically debited on the same date each month (the 1st or the 15th) There is no credit check and 0% interest rate. Once the entire amount due is paid, you will receive the RingWraps.
If you choose the layaway option, you must either call us to place the order, come to our Dallas showroom, or visit us at a trunk show. You would receive your RingWraps after the entire amount is paid.
How Affirm Works
Your Affirm account is created using your name, email, mobile, phone number, birthday, and the last 4 digits of your SSN. This combination helps Affirm verify and protect your identity.
Affirm Frequently Asked Questions
Frequently Asked Question about Affirm
You can pay your Affirm bills online, by debit card or ACH transfer, and sign up for autopayment at www.affirm.com/pay. Please allow 3 to 5 business days for ACH transfers to be reflected on your Affirm account.
To pay by check, please write on each check (1) the mobile phone number you used to create your Affirm account, and (2) the loan ID (which you can find by signing in at www.affirm.com/pay and clicking on the applicable loan). Make the check payable to “Affirm, Inc.” and mail it to:
Affirm, Inc.
P.O. Box 720
San Francisco, CA 94104
You must submit a separate check for each loan you have with Affirm. If you have more than one loan with Affirm and do not write the loan ID on your check, we will apply your payment to the oldest loan first. Please allow 10 business days for your check to be processed from the date of receipt.
Yes, when you first create an Affirm account, we perform a ‘soft’ credit check to help verify your identity and determine your eligibility for financing. This ‘soft’ credit check will not affect your credit score.
If you apply for more loans with Affirm, we may perform additional ‘soft’ credit checks to ensure that we offer you the best financing options possible.
We aren’t always able to approve financing for the full amount of a purchase. When this happens, you will have the option of using a debit card to pay for the rest of your purchase. Regrettably, the down payment amount can’t be changed.
Affirm sometimes needs more information about your financial situation to evaluate your loan application. We may ask you to link your online checking account, which helps us determine your ability to repay a loan. If you’re prompted to link your checking account and would like to continue with the application process, you may securely link your account by providing the login information for your bank account. We may refresh your bank account information periodically, but you can unlink your account at any time in your Affirm account settings.
Linking your checking account DOES NOT authorize Affirm to debit your account.
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Additional Information
Subject to credit check and approval. Down payment may be required. For purchases under $100, limited payment options are available. Estimated payment amount excludes taxes and shipping fees. Affirm loans are made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC. See www.affirm.com/faqs for details.
For more information, contact Affirm at help@affirm.com or by calling 855-423-3729.