Simple Checkout
- Select Affirm at checkout
- Enter a few basic details for an instant decision
- Review your plan before confirming
Pay Over Time.
No Surprises.
See your monthly payment in seconds. No hidden fees, no late charges, no impact on your credit score.
HOW IT WORKS
Engagement Ring Financing
Safe & Secure
- Affirm connects directly to our checkout
- Your account stays protected end-to-end
- No hidden fees
You’re in Control
- Choose monthly payments that fit your budget
- See total cost up front
- Pay off early anytime (per provider terms)
Estimate your payment
Slide to your purchase amount and pick a term.
Purchase amount
$3,700
Choose your term
Lifetime warranty1,100 rings30-Day Returns
YOUR MONTHLY PAYMENT
$308/mo
for 12 months at 0% APR*
Won't affect your credit score
BUY WITH CONFIDENCE
Clear Payments. Real Protection.
Choose monthly payments that fit your budget — with transparent terms and a simple checkout flow.
Transparent terms
Know your total and your payment schedule before you buy.
Easy checkout
Select Affirm in checkout and follow a few quick steps.
Lifetime Warranty
Every ring you finance comes with our lifetime warranty. Same coverage as paying in full.
FINANCING OPTIONS
Choose Monthly Payments That Fit Your Budget.
Buy now, pay over time.
| Feature | Affirm | Splitit |
|---|---|---|
| Financing | Yes | Yes |
| Payment plans | Up to 36 months with rates as low as 0% APR* | Equal monthly installments on your credit card |
| Minimum monthly payments | Depends on purchase + plan selected at checkout | Total ÷ number of installments (charged monthly) |
| Eligible customers | U.S. customers only | Eligible credit cardholders (card must have available credit) |
| How to apply online | Apply at Checkout, Choose plan & complete purchase | Select Splitit at checkout |
Eligibility and available plans vary by purchase amount and customer details. Terms are provided by the financing providers.
Engagement Ring Financing FAQ
Questions, Answered Simply.
Your rate will be 0-36% APR based on credit, and is subject to an eligibility check.
Any United States resident 18 years or older (excluding overseas territories and APO/FPO/DPO) is eligible to use Affirm.
Your Affirm account is created using your name, email, mobile phone number, birthday and last 4 digits of SSN. This combination helps verify and protect your identity.
Select Affirm as your payment method during checkout. Follow the sign up steps and choose the monthly plan that works for you.
You can pay your Affirm bills online at affirm.com/pay. Payment methods may include debit card, bank transfer, and check.