Pink Diamond Jewelry

Afterpay
Pink Diamond Jewelry
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Simply shop with one of your favorite stores found in the Shop Directory and choose Afterpay as your payment method at checkout. First-time customers will need to create an Afterpay account (with instant approval decision) and returning customers will simply log in to make their purchase. For online orders, the goods will be shipped to you by the retailer after checkout. For in-store shopping, download the Afterpay mobile app, follow the in-app instructions and complete the eligibility checks to see if you are eligible to set up the Afterpay Card. If eligible, you can use the Afterpay Card with Apple Pay or Google Pay to make a contactless payment at checkout.

At any time, you can log in to your Afterpay account to see your payment schedule and make a payment before the due date. Otherwise we will automatically take the money from your debit or credit card on your payment due dates.

Please Note: Afterpay does not approve 100% of orders. We are committed to ensuring we support responsible spending.

When determining which orders to approve, we consider a number of different factors. As an example, the longer you have been a shopper using Afterpay and the more orders you have successfully repaid, the more likely you will be able to spend more.

Things to consider

  • Are there sufficient funds on your card? Generally we look to see the first instalment amount available to spend.
  • The length of time you have been using Afterpay
  • The amount you have to repay
  • The value of the order you are trying to place
  • The number of orders you currently have ‘open’ with us

While we know it can be frustrating to not know exactly how much you can spend each time or how many active orders you can have, our rules and approval process help Afterpay responsibly offer our service to our customers.

Afterpay’s monthly payment product is a type of installment loan that offers you more flexible ways to pay for high-value orders. Upon approval, a 6 or 12 month interest-based repayment option may be offered. This option provides flexibility to spread out repayment on a monthly basis on items over $400. 

○ Click here the Pay Monthly tab to find your favorite stores that offer monthly payments

○ Choose Pay monthly to check your eligibility. This won’t affect your credit score

○ Verify your identity. Confirm your information is correct. You will only have to do this one-time 

○ Pay Monthly. Choose to pay over 6 or 12 months. Down Payment may be required 

The Pay Monthly option is not available for all merchants. If available, the option to choose”Pay Monthly” will be presented during checkout. Eligibility for the Pay Monthly option requires a soft credit check that has no impact on your credit profile. Please note that until an offer is selected, rates and offers are subject to change. 

Pay Monthly is not available in:

  • Nevada
  • West Virginia
  • Hawaii
  • New Mexico

How does the APR work with Afterpay monthly payments? 

The term APR (Annual Percentage Rate) is the yearly cost to borrow. Pay Monthly is a simple interest loan with no late fees or an origination fee. The interest accrues daily based on the outstanding principal balance. Please refer to the Truth In Lending Disclosure in the Loan Agreement that will outline the total finance charge. 

Afterpay uses several different factors like your consumer credit report to determine eligibility. Afterpay also uses non-traditional factors, like your repayment history with our Pay in 4 product offering. Your repayment history is useful data to determine your creditworthiness.

How is my APR calculated?

The APR is formulated by several different factors. To determine your creditworthiness we look at information obtained from your credit profile to past payment history with us at Afterpay! 

Where can I shop with Pay Monthly? 

Monthly payments are available to customers in the U.S and offered at select Afterpay merchants online. Afterpay will continue to roll out this service to more retailers over the next few weeks. 

Click here to find your favorite stores that offer monthly payments.

 

You will more than likely pay the first installment of the purchase price at the time you place the order. If you have been shopping with Afterpay for some time, and have a really good repayment history, you may find that we defer taking the first payment until 2 weeks (15 days for residents of California) after you make your purchase.

In all cases you will be notified on screen if the first payment is due at the time of the purchase. We also send you a confirmation email outlining the amounts and dates that the payments are due.

First payment higher than the other three?

For some purchases, if your total order amount exceeds your Afterpay-approved spending limit the first payment may be higher than subsequent payments. Afterpay will show you how the installments are split before you pay.

Afterpay is a payment service offered by US online retailers for shoppers who: 

  • Are a resident and reside within one of the 50 states or the District of Columbia. 
    • Afterpay is not available in US Territories.   
  • Are at least 18 years old; (19 years old in Alabama or if you are a ward of the state in Nebraska)
  • Are capable of entering into a legally binding contract;
  • Have a valid and verifiable email address and mobile number;
  • Provide a valid delivery address in the United States;
  • Be authorised to use the US-issued credit card, debit card or bank checking account to make the purchase
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