Jared offers a variety of payment and financing options for customers looking to purchase jewelry online.
Recognizing the need for flexibility in payment methods, the retailer aims to accommodate a wide range of budgets and preferences.
You can see Jared’s page about financing options here, or we’ll also provide a plain-English summary in this article.
Jared Finance Options
Jared offers flexible financing through Affirm, a third-party loan provider that allows you to pay for your purchase over time. Depending on the size of your order, Affirm provides different payment plans. For smaller purchases, you may be offered the Pay in 4 option, which breaks your payment into four interest-free installments. This option is great if you want to spread out your payments without incurring any extra costs.
For larger purchases, Affirm offers monthly payment plans ranging from 3 to 12 months. The interest rate on these plans varies between 0% and 36%, depending on your eligibility. One of the benefits of Affirm is its transparency—before you commit, Affirm shows you exactly how much interest you’ll be paying over the term, so you always know your total cost up front.
What sets Affirm apart is that it doesn’t charge any fees. There are no late fees if you miss a payment, no prepayment fees if you decide to pay off the loan early, and no service fees or hidden costs. This gives you peace of mind, knowing you won’t face unexpected charges down the line. However, keep in mind that Affirm is a one-time-only loan for each purchase, meaning you’ll need to reapply if you want to use it for future orders.
Importantly, Jared does not charge any fees for using Affirm. The costs associated with the loan, such as interest, are determined by Affirm, based on your credit eligibility.
Applying for Affirm
If you decide to finance your Jared purchase using Affirm, the process is straightforward. You’ll need to provide five basic pieces of information: your name, date of birth, Social Security number, mobile phone number, and email address. This application process will not affect your credit score, but keep in mind that once you finance a purchase through Affirm, it could impact your credit.
You can select Affirm during checkout at Jared.com, or if you’re making an in-store purchase, you’ll need to apply via Affirm’s website or mobile app. After applying, you can present a digital credit card at the register to complete your in-store purchase.
Jared Payment Options
In addition to Affirm, Jared offers several other payment options to fit your preferences. You can use any major credit card such as Visa, Mastercard, American Express, or Discover. If you prefer, debit cards are also accepted. For online shoppers who value added security, PayPal is available as a payment method.
If you have a Jared gift card, you can use it to cover part or all of your purchase, depending on your available balance.
Other Things You Should Know About Jared’s Financing Options
There are a few additional points to keep in mind if you’re thinking about using Affirm to finance your Jared purchase.
One advantage is that checking if you qualify for Affirm won’t affect your credit score. However, once you finalize a purchase using Affirm, your score could be impacted. This is important to consider if you’re monitoring your credit closely.
If you need to return an item that was financed through Affirm, Jared follows its standard return policy. For online purchases, returns must be processed through Jared.com, while in-store purchases can be returned to any Jared location. However, note that if your Affirm payment plan included interest, any interest you’ve already paid will not be refunded. This is something to keep in mind when deciding whether to finance a purchase.
Affirm doesn’t charge late fees, so if you accidentally miss a payment, you won’t be hit with additional charges. That said, missed payments could still affect your credit score, so it’s a good idea to stay on top of your payment schedule. You can make payments on your Affirm loan easily through affirm.com or the Affirm mobile app, which is available for both iOS and Android devices.
Lastly, to use Affirm, you’ll need a U.S. mobile phone number. This is required for identity verification during the application process.
If you’re considering Affirm for your Jared purchase, it’s helpful to know that the service is transparent about fees and interest. Just be sure to review the terms specific to each purchase and keep track of any interest payments to avoid surprises.
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Where to apply for Jared financing
Learn more and apply at on the Jared website here