KAY Jewelers offers easy and affordable payments online and in stores with Affirm, a loan service provider, at a pace you choose from the available options. You can purchase immediately and pay over time. During checkout at KAY.com, you can choose Affirm as a payment method and apply for a loan to pay for your items. For in-store purchases, apply at affirm.com or download the Affirm app on your phone, pick your desired payment plan and present your digital card at the register. Affirm always shows you the exact terms (subject to your eligibility) and the total amount of interest you will pay, never charging you anything extra. Affirm does not charge any late fees, prepayment fees, annual fees, hidden fees, or service fees to open or close your Affirm account.

Your virtual card expires 24 hours after you confirm your loan and get your card. If your card expires before you use it, it’s like the loan never happened. You won’t owe anything for it.

Your credit score will not be affected by creating an Affirm account or seeing if you prequalify. If you decide to buy with Affirm, this may affect your credit score.

Your payment options depend on the amount of your purchase and on your eligibility. For smaller purchases, you’ll be able to make 4 interest-free payments every two weeks. For larger purchases, you may have the option to make up to 36 monthly payments—and these options may have interest. In some cases, you may need to make a payment at the time of purchase.

KAY will not charge a fee to use the Affirm payment plan. All terms and conditions of your Affirm payment plan, including any interest charges, are determined directly between the customer and Affirm. If you have specific questions about Affirm, please contact Affirm.com/help.

Affirm doesn’t charge late fees, service fees, prepayment fees, or any hidden fees. When you pay with Affirm, your annual percentage rate (APR) will be between 0 – 36%. Affirm will show you up front the total amount of interest you’ll pay and will never charge you a penny more.

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

Yes. Follow the KAY return process. KAY.com purchases can only be returned through KAY.com.  In-store purchases can be returned at any KAY store.  If your payment option through Affirm included interest, any interest paid is non-refundable.  Affirm orders are not eligible for exchange.

After you have made a KAY purchase with Affirm, you can make or schedule payments at affirm.com or in the Affirm app for iOS or Android.