No Credit Check Jewelry Financing – LendFirm partners with select merchants to help credit-constrained customers make purchases. All their process requires is that you provide an unexpired photo ID, the most recent 30-day bank statement, and bank confirmation. LendFirm evaluates consumers to determine eligibility by evaluating factors other than credit score, such as income history and bank account status. This process allows for a clear approval decision to be made quickly.
In order for us to track your funding application, you must first create a Gage Diamonds account. After creating your account, you will be directed to the LendFirm® website to begin your online loan application. If you already have an account, click the Sign In button below.
No Credit Check Jewelry Financing
The loan process requires a minimum of information to confirm your identity and determine the loan amount. You will need to provide an unexpired US driver’s license, passport or government ID; your most recent bank statement; a valid checking account and, in some cases, your most recent payment card or proof of income. LendFirm may also request additional documentation to support your information. LendFirm does not currently accept prepaid or online banking.
Jewelry Financing, Layaway, & Payment Options
The loan application process is quick and easy. LendFirm requires applicants to answer a few questions and go through a secure online verification process. Applicants will be notified by email of LendFirm’s approval decision within one business day.
LendFirm offers loans for 12 or 24 months with interest rates starting at 4.95%. Payments are made in equal installments, with no application fee or prepayment. You always pay for what you see at the checkout!
LendFirm offers 100% financing with a few key conditions, including being able to verify your identity and income. Requirements include proof of income, a valid driver’s license, your social security number and a direct deposit checking account.
So. Whether you have bad credit due to bankruptcy, no credit, or bad credit, LendFirm will evaluate consumers on several different criteria to make an approval decision.
Can You Finance An Engagement Ring With Bad Credit?
LendFirm performs a credit inquiry at the time of application. Inquiries may or may not affect your credit score. For many people, one additional credit inquiry (voluntary and initiated by a loan application) may not affect their credit score at all.
LendFirm currently offers interest rates starting at 4.95% per annum over 12 or 24 months, payable in equal installments. LendFirm does not charge early payment penalties, however, they do charge a $25 late fee for late payments.
For most borrowers, LendFirm requires no down payment at all. For some borrowers, LendFirm may require a down payment of up to 50%.
Yes, LendFirm accepts applications from current borrowers, but your current balance and payment history with LendFirm will affect the approval decision and the loan amount that can be extended for additional loans. If you are interested in refinancing with a new loan, call LendFirm at 888-763-3898.
Jewelry & Engagement Ring Financing |helzberg Diamonds
Add the items you wish to purchase to the cart and proceed to checkout. If you have an active loan with LendFirm, you will have the option to apply for your loan during the application process. If you have a down payment or the amount of your purchase exceeds the loan amount, you will need to enter your credit or debit card details to cover the remaining amount before completing the purchase.
The loan expires 30 days after the approval date. If your loan expires and you want to finance your purchase, you will need to re-apply to LendFirm.
Your pay schedule will reflect the pay dates received from your employer. Your schedule can be found in your loan documents.
All payments are taken directly from the checking account you provided when you applied for the loan. Payments are withdrawn from your employer on the same schedule as your regular payment schedule. If for any reason you need to update your bank account information, please call LendFirm at 888-763-3898.
How Meghan Markle Revived Yellow Gold Engagement Rings
LendFirm charges your account on the first payment day after your purchase from Gage Diamonds to ensure that your account has funds.
So. If you decide to pay off the loan early, you won’t be charged any prepayment penalties or other fees.
So. We offer a 30-day return policy on non-custom items. If the item is made to order, LendFirm charges a 35% restocking fee, even if it is returned within 30 days. LendFirm will refund any payments made less a refund fee. If the chargeback fee exceeds the total amount of payments made, the payments will not be refunded and you will still be required to follow the payment schedule until the balance is paid in full.
Exchanges are made on a case-by-case basis depending on the personalization factor of the purchased product(s). Please contact Gage Diamonds at engage@ to see if your items are eligible for exchange. Please allow at least 2 business days for a response.
Best Way To Pay For An Engagement Ring: A Credit Card With Intro Apr
Any refunds will be applied to your account and an adjustment will be made. You are still required to follow the payment schedule until the balance is paid in full. You see your partner’s dream engagement ring in a jewelry case, patiently waiting to be picked up. You would buy it today, but you haven’t saved enough money and your credit score isn’t very good. This is actually normal! You can still purchase this ring, and we’re here to help you figure out how.
Buyers usually choose one of these options to purchase their engagement rings, but each choice has its drawbacks. You know your financial situation best, so make sure you choose the path that best suits your needs!
Open a credit card with an interest rate of 0%. This type of credit card allows you to make payments on your purchase without paying interest for a certain amount of time (such as 12 or 18 months). Sounds simple, right? Well, it’s more than meets the eye.
To pay interest for several months, it is still piling up behind the scenes. If you don’t pay off your engagement ring in full by the specified period, you’ll have to pay interest — on the entire value of the ring, not just the remaining balance!
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Choose a low-interest credit card: Although this option requires you to pay interest on your purchase, the rate is lower than the national average for credit cards (about 16%).
*Warning: Your interest rate may be lower for a longer period of time (eg 24-60 months). But, as with the previous option, you will be heavily penalized if your ring is not paid for in full before the end of the promotional period. If this happens, you will have to start paying almost double (about 30%) interest on the remaining balance!
Apply for a personal loan: If a bank, credit union, or other institution approves this type of loan, you receive a certain amount of money and are expected to pay it back in smaller monthly payments. According to NerdWallet, you typically have two to seven years to repay the loan.
*Warning: People with bad credit are likely to pay higher interest rates than those with good credit.
Best No Credit Check Loans
Depending on your financing plan, you may incur additional fees, including those related to late payments or payments made with insufficient funds. But if you have bad credit, you may not even be approved for a new loan or credit card.
At Gage Diamonds, we look beyond credit scores and offer financing to buyers with bad or no credit. Our financing partner, LendFirm, is an online lender that works with exclusive sellers like us. LendFirm offers low interest rates starting at 4.95% for 12 or 24 months on all of our items, from engagement rings to oth
er fine jewelry.
When you shop at Gage Diamonds, you simply need to present a valid driver’s license or state ID; proof of direct deposit from your primary employer/benefits provider into a checking account dating back three months; current account record in good standing. Applications are usually approved within 24 hours with no upfront costs.
Gage Diamonds is Chicago’s premier jewelry store and online engagement ring, engagement ring and fine jewelry store. We offer a wide selection of rings featuring brilliant, hand-selected diamonds, moissanites and other precious stones.
Fine Diamond & Jewelry Store Online
We are committed to helping you find the ring of your dreams. For inspiration, browse our website or make an appointment with a member of our trusted staff in our personal salon.
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