JEWELRY FINANCING

Wells Fargo

Buy Today, Pay Over Time

Your credit card also brings you exclusive benefits:

• Revolving line of credit that you can use over and over again.
• Special financing where available.
• Convenient monthly payments to fit your budget.
• Easy-to-use online account management and bill payment options.

No interest if paid in full within 12 months

Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period.1 Minimum for $480 required.

1The Wells Fargo Jewelry Advantage ® credit card is issued by Wells Fargo Bank, N.A. Special terms apply to qualifying purchases of $480 or more charged with approved credit. Minimum monthly payments are required during the promotional (special terms) period. Interest will be charged to account from the purchase date at the APR for Purchases if the purchase balance is not paid in full within the promotional period. Paying only the minimum monthly payment will not pay off the Purchase balance before the end of the promotional period. For new accounts, the APR for Purchases is 28.99%. If you are charged interest is any billing cycle, the minimum interest charge will be $1.00. This information is accurate as of 07/01/2020 and is subject to change. For current information, call us at 1-800-431-5921. Offer expires 12/31/2024.

Sign on to Wells Fargo Online® to pay your Wells Fargo Bank, N.A. credit card bill.

ACIMA is our Lease-to-Own, No Credit Needed Purchase Option that allows you to get what you need today and pay over time.

To qualify you must meet the following requirements:

• Do you have a three-month history with your current employer or source of income?
• Do you deposit $1,000 or more into your checking account each month?
• Have you had a checking account for at least 90 days?
• Is your checking account free from NSFs, excessive overdrafts, and negative balances?

Flexible Payment Options

• 90-Day Early Purchase Option: Save big by purchasing in less than 90 days.
• Early Purchase Discount: Purchase after 90 days and save 25% or more on all outstanding payments.
• Pay over 12 months: Choose to make all lease renewal payments to align with your payday and own the property in 12 months.

What is Affirm?

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 www.affirm.com/pay.

Payment options through Affirm are provided by these lending partners:

https://www.affirm.com/lenders.

FAQs

What type of financing is offered by Affirm?

Our loans usually last 3, 6, or 12 months, and you get to pick from these options when you apply.

For example, a $800 purchase might cost $72.21/mo over 12 months at 15% APR

Can I pay off my purchase early?

Yes, there’s no penalty for paying early.

How do I make my payments?

You can make or schedule payments at affirm.com or in the Affirm app for iOS or Android. Affirm will send you email and text reminders before payments are due.

Can I return an item I bought with Affirm?

Yes, you can return an item you bought with Affirm by initiating the return process with the store.

Does checking my eligibility affect my credit score?

No, your credit score won’t be affected when you create an Affirm account or check your eligibility. If you decide to buy with Affirm, this may impact your credit score. You can find more information in Affirm’s Help Center.

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.

Do I need a mobile number to use Affirm?

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

Where can I learn more about Affirm?

You can visit their website at https://www.affirm.com/faqs/.