Buy Now, Pay Later
Fixed Payments
No Late Fees
Buy Now, Pay Later
Fixed Payments
No Late Fees
How Does it Work?
Find the perfect piece of jewelry. Get it today with Affirm and pay over time!
Online
Step 1
Add your favorite piece of jewelry to the cart and select Affirm as your payment method during checkout.
Step 2
Apply online and get a real-time decision - the application process will not affect your credit.
Step 3
Choose your payment plan (see details below) and finalize your online purchase.
In-Store
Step 1
Download the Affirm app to apply and get a real-time decision. The application process will not affect your credit.
Step 2
Locate your one-time use virtual card in the Affirm app.
Step 3
Present your virtual card to a jewelry consultant to finalize your purchase.
Choose the payment option that's best for you
Depending on the purchase amount, Affirm may present you with:
- Pay In 4 (Four interest-free payments) or;
- Terms ranging from 3, 6, 12, 18, 24 and 36 months
- No hidden or late fees
- Interest rate is subject to eligibility
◊ Rates from 0-36% APR. For example, a $700 purchase might cost $63.18 per month over 12 months at 15% APR. Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lender license. For licenses and disclosures see affirm.com/licenses.
Why Affirm?
Things to consider when looking into Affirm:
- Qualification will not affect your credit;
- No late fees or other hidden costs;
- Your total cost will be displayed up front, once you have selected your payment plan;
- Fixed payments;
- One-time only loan, you will need to re-apply for subsequent purchases.
Ready to Apply?
You need five simple pieces of information:
- Name
- Date of Birth
- Social Security Number
- Mobile phone number
- Email address
Select Affirm at checkout
You Deserve More Options
When you find that jewelry store design that speaks to you, you have to get it. We offer a variety of payment options that make getting it easy.
FAQs
Zales offers easy and affordable payments online and in stores 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 Zales.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 credit 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.
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.
Your credit 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.
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.
Zales 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.
Yes. Follow the Zales return process. Zales.com purchases can be returned through Zales.com or at any Zales store. In-store purchases can be returned at any Zales store. If your payment option through Affirm included interest, any interest paid is non-refundable.
After you have made a Zales purchase with Affirm, you can make or schedule payments at affirm.com or in the Affirm app for iOS or Android.
For more information, visit: www.affirm.com/help
Affirm | Zales