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RingWraps Financing

Experiencing True Freedom by Paying Over Time

We offer two payment plan options. One is through Affirm and more information can be found here. Paying with Affirm includes a soft credit check and interest rates at 10-30% APR. This option can help build your credit. You can pay with Affirm on our website.

Buy your RingWraps with Affirm and pay off your purchase in easy, fixed, payments over 3, 6, or 12 months at rates from 10-30% APR.

The other payment plan option is through us. We require a down payment of $500 and you can pay the remainder for up to 9 months. You would pay via ACH (checking or savings account) and your account would be automatically debited on the same date each month (you can choose this date.) It is essentially a recurring billing plan. There is no credit check and 0% interest rate.

If you choose this option, you must call us to place the order or come to our showroom/a trunk show and we can get it set up in person. You would receive your RingWraps after the downpayment is paid (as long as they are in stock).  If we have to custom make the RingWraps, you would receive as soon as they are complete (as long as the $500 has been paid.)

How it Works

Experiencing True Freedom by Paying Over Time

Your Affirm account is created using your name, email, mobile, phone number, birthday, and the last 4 digits of your SSN. This combination helps Affirm verify and protect your identity.

Simple Checkout

Checkout is easy. Just select Affirm and enter some basic information for an instant loan decision.

Safe & Secure

There’s no card number to steal, so your account stays secure.

You’re in Control

Pick a loan that fits your budget. Choose to pay off your purchase over 3, 6, or 12 months.

Instant Approval

Your loan is complete and we can process your order immediately.

Choose 3, 6, or 12 Monthly Payments

Affirm has designed its loans to offer you flexibility and control over your budget. Affirm offers rates from as low as 10-30% APR based on your credit. Actual rates will be shown at checkout.

Real People, Real Support

Affirm has a dedicated team in San Francisco at Affirm HQ, ready to answer your questions and help you out however they can.

Frequently Asked Questions

How do I pay my bills?

You can pay your Affirm bills online, by debit card or ACH transfer, and sign up for autopayment at Please allow 3 to 5 business days for ACH transfers to be reflected on your Affirm account.

To pay by check, please write on each check (1) the mobile phone number you used to create your Affirm account, and (2) the loan ID (which you can find by signing in at and clicking on the applicable loan). Make the check payable to “Affirm, Inc.” and mail it to:

Affirm, Inc.
P.O. Box 720
San Francisco, CA 94104

You must submit a separate check for each loan you have with Affirm. If you have more than one loan with Affirm and do not write the loan ID on your check, we will apply your payment to the oldest loan first. Please allow 10 business days for your check to be processed from the date of receipt.

Does Affirm perform a credit check?

Yes, when you first create an Affirm account, we perform a ‘soft’ credit check to help verify your identity and determine your eligibility for financing. This ‘soft’ credit check will not affect your credit score.

If you apply for more loans with Affirm, we may perform additional ‘soft’ credit checks to ensure that we offer you the best financing options possible.

Why was I prompted for a down payment?

We aren’t always able to approve financing for the full amount of a purchase. When this happens, you will have the option of using a debit card to pay for the rest of your purchase. Regrettably, the down payment amount can’t be changed.

Why was I prompted for a down payment?

Affirm sometimes needs more information about your financial situation to evaluate your loan application. We may ask you to link your online checking account, which helps us determine your ability to repay a loan. If you’re prompted to link your checking account and would like to continue with the application process, you may securely link your account by providing the login information for your bank account. We may refresh your bank account information periodically, but you can unlink your account at any time in your Affirm account settings.

Linking your checking account DOES NOT authorize Affirm to debit your account.

Affirm FAQs

Subject to credit check and approval. Down payment may be required. For purchases under $100, limited payment options are available. Estimated payment amount excludes taxes and shipping fees. Affirm loans are made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC. See for details.

For more information, contact Affirm at or by calling 855-423-3729.