Pay over time
Take home the piece now with Affirm or Shop Pay Installments, or pay 0% interest with no credit check through our in-house plan, Assay Installments. Compare all three below.
Our in-house, interest-free layaway plan.
Shopify's pay-over-time option, financed by Affirm.
Apply directly with Affirm at checkout.
Example
Put down $900 (10%) to reserve it. Pay the remaining $8,100 over the schedule that fits you. No interest, no fees. Your piece ships the day the last payment clears.
| Plan | Monthly payment |
|---|---|
| Down payment today | $900 |
| 1 month | $8,100 |
| 2 months | $4,050 / mo |
| 3 months | $2,700 / mo |
| 4 months | $2,025 / mo |
| 5 months | $1,620 / mo |
| 6 months | $1,350 / mo |
How it works
Find the ring, necklace, or watch you want. Any item over $1,000 qualifies for Assay Installments.
Select Affirm or Shop Pay Installments at checkout, or contact us to set up an Assay Installments plan.
Affirm and Shop Pay orders ship right away. Assay Installments orders ship once the balance is paid.
Questions
If you want to pay zero interest and can wait for delivery, choose Assay Installments. If you want the piece shipped now, choose Affirm or Shop Pay Installments at checkout. Your rate with those depends on the plan you pick and your approval.
No. Assay Installments is our own in-house plan. There's no credit check, no interest, and no fees. You reserve the item with a 10% down payment on any purchase over $1,000.
With Affirm or Shop Pay Installments, your order ships right away. With Assay Installments, your item ships once the balance is paid in full.
Shop Pay Installments is Shopify's pay-over-time option, and the loans are financed by Affirm. Choosing Affirm at checkout lets you apply with Affirm directly. Available plans and limits can differ between the two, so check both at checkout.
Checking your eligibility with Affirm or Shop Pay Installments won't affect your credit score. Assay Installments doesn't involve a credit check at all.
Assay Installments is available on items over $1,000. For Affirm and Shop Pay Installments, eligible order amounts are shown at checkout.
Tell us the piece you're looking at and we'll walk you through the options.
169 E. Flagler St., Miami, FL · By appointment only
Assay Installments is an interest-free layaway plan offered by Assay Jewelers. A 10% down payment is required on items over $1,000. Items ship after the balance is paid in full.
Rates from 0–36% APR. Payment options through Affirm and Shop Pay Installments are subject to an eligibility check, depend on your purchase amount, and a down payment may be required. Loans are provided by Affirm's lending partners: affirm.com/lenders.
Example: an $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR, or 4 interest-free payments of $200 every 2 weeks.
