Financing options

At Mely's Jewelry we understand that purchasing fine jewelry can be a significant investment, which is why we offer a variety offinancing optionsto make it easier for our customers to own the jewelry of their dreams. We take pride in providing flexible financing options that cater to individual needs and preferences. It’s worth noting that all of our financing options areconveniently available online through our website, so you can easily choose the option that works best for you and apply for financing from thecomfort of your own home.

Affirm is a better way to buy.

One specifically designed to help you say yes to the things you want while keeping you out of unhealthy debt.
Your credit score will not be affected when you check your eligibility, even though we perform a credit check. If you decide to buy with Affirm, your loan and payments may affect your credit score.

Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders

Frequently asked questions about buying with Affirm:

How can I finance my purchase with Affirm?

Mely's Jewelry offers easy and affordable payments online with Affirm, a loan service provider, at a pace you choose from the available options. You can purchase immediately and pay over time. During checkout at melisjewelry.com, you can choose Affirm as a payment method and apply for a loan to pay for your items. For in-store purchases, apply at affirm.com or download the Affirm app on your phone, pick your desired payment plan and present your digital card at the register. Affirm always shows you the exact terms (subject to your eligibility) and the total amount of interest you will pay, never charging you anything extra. Affirm does not charge any late fees, prepayment fees, annual fees, hidden fees, or service fees to open or close your Affirm account

When does my virtual card expire?

Your virtual card expires 24 hours after you confirm your loan and get your card. If your card expires before you use it, it’s like the loan never happened. You won’t owe anything for it.

Does Affirm affect my credit score?

Your credit score will not be affected by creating an Affirm account or seeing if you prequalify. If you decide to buy with Affirm, this may affect your credit score.

What are my payments options?

Your payment options depend on the amount of your purchase and on your eligibility. For smaller purchases, you’ll be able to make 4 interest-free payments every two weeks. For larger purchases, you may have the option to make up to 36 monthly payments—and these options may have interest. In some cases, you may need to make a payment at the time of purchase.

Does Affirm charge interest and fees?

Affirm doesn’t charge late fees, service fees, prepayment fees, or any hidden fees. When you pay with Affirm, your annual percentage rate (APR) will be between 0 – 36%. Affirm will show you up front the total amount of interest you’ll pay and will never charge you a penny more.

Does Mely's Jewelry charge a fee to use the Affirm payment option?

Mely's Jewelry will not charge a fee to use the Affirm payment plan. All terms and conditions of your Affirm payment plan, including any interest charges, are determined directly between the customer and Affirm. If you have specific questions about Affirm, please contact Affirm.com/help.

Why do I need a mobile phone number to apply and use Affirm?

Yes, you will need a mobile phone number from the U.S. or U.S. territories. This helps Affirm verify it is really you who is creating your account and signing in.

Can I return a financed item?

Yes. Follow the Mely's Jewelry return process, melisjewelry.com purchases can only be returned through melisjewelry.com. If your payment option through Affirm included interest, any interest paid is non-refundable.  Affirm orders are not eligible for exchange.

Where do I make my payments?

After you have made a Mely's Jewelry purchase with Affirm, you can make or schedule payments at affirm.com or in the Affirm app for iOS or Android.

Use PayPal Credit’s digital

reusable credit line to shop online anywhere PayPal is accepted, and get 6 months special financing on purchases of $99+ every time you shop. Get a credit decision in seconds with a quick application.No Interest if paid in full in 6 months on purchases of $99+.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. Subject to credit approval. Credit helps give you the flexibility to buy what you need when you need it.