Shine Now, Pay Later

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Based on 15% APR. For illustrative purposes only. See footer for details 

Your rate will be 0% APR or 10–30% APR based on credit, and is subject to an eligibility check. Options depend on your purchase amount, up to $17,500, and a down payment may be required.


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. 

We 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 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 – 30%. 

Yes, you will need a mobile phone number from the U.S. or U.S. territories.

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

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