At Rare Earth, we're all about custom, and that means custom payment plans too!  We'll work with you to make your purchase possible. We offer buy now, pay later financing through Shop Pay, and also interest-free layaway programs.  

Shop Pay Installment Plans

What are Shop Pay Installment plans?  Shop Pay has partnered with Affirm to offer buy now, pay later financing options for consumers.  Shop Pay Installments allows you to split your purchase amount into four equal, biweekly installment payments with 0% APR, or you can finance your purchase for a longer period with monthly payments (interest fees may apply). There are no hidden or late fees.

When is the first payment due? Your first payment is due at checkout. The remaining payments are automatically charged to your card saved on Shop Pay based on the payment plan you chose. Don't worry, you'll get an email reminder before each payment to remind you.

Fees or penalties. For purchases split into 4 bi-weekly payments, there are no additional charges or interest rates applied. Purchases split into monthly payments may be subject to interest.  You can pay your balance off early without penalty. 

Which payment methods are accepted if I use the option to pay in installments on Shop Pay?  For non-interest bearing orders, debit and credit cards are accepted through Shop Pay.  For interest bearing orders, you can only pay using a debit card.

Can I use Shop Pay Installments if I'm an international customer? Shop Pay Installments is only available to customers with a United States billing address and a United States mobile phone number. Customers with international billing addresses or phone numbers can't use Shop Pay Installments.

Is there a limit to how much I can spend on a single Shop Pay Installments order?  Yes, $17,500 USD is the order value limit that applies to purchases using Shop Pay Installments, including discounts, shipping, and taxes.

Are there late fees?  No, there are no late fees if you miss a scheduled payment.  However, partial or late payments may affect your ability to use Shop Pay Installments in the future.

What if I miss an installment payment?  There are no late fees for customers who miss a scheduled payment. However, partial payments or late payments might impact your credit score, or your eligibility to use Shop Pay Installments in the future. If you have questions about a missed installment payment, please contact Affirm support for assistance.

How to pay with Shop Pay Installments:

1. Add items to your cart, then choose Shop Pay at checkout.
2. Choose to pay in installments and tap Continue.
3. Select the installments option that best suits you.
4. Choose a debit or credit card to use for payment, then tap Continue.
5. Follow the steps to verify your identity—this usually takes just a few moments.
6. If you agree to the terms, click Agree, then tap Authorize purchase.
7. Enter the 6-digit verification code that was sent to your phone.

Layaway

How does your layaway program work? We offer simple, no interest layaway plans.  Take up to a year to pay, and the payment schedule is up to you.  You can make weekly, bi-weekly or monthly payments, whatever works for you, as long as it’s paid off within 12 months from your purchase date.

How much will each payment be? The first payment is an initial deposit of 20% of the order price.   After that, how much you pay in each installment is up to you.

Do I have to use the same credit card for each payment? No. You can use any payment method you’d like.  We accept all debit and credit cards, PayPal, Apple Pay and Google Pay.

Do you charge interest or fees? There is no charge for the payment plan.  It's interest free.

Is a deposit required? Yes. A 20% deposit is required for your first payment. Your initial deposit is non-refundable. 

Can I pay it off early? Yes, you can pay it off early if you like. There is no prepayment penalty.  

What happens if I need to cancel my order? If during the financing period, you cancel your order, the initial deposit will be forfeited.  All subsequent payments you've made will be refunded back to you.  

What if I want to modify my order? If you decide you’d prefer a different piece of jewelry during the financing period, the initial deposit and all subsequent payments will be applied to the new item.

What if I don’t pay in full by the twelve month end date? At Rare Earth Jewelry’s sole discretion, your order may be cancelled.  If your order is canceled, the initial deposit will be forfeited, but any subsequent payments made may be applied as a courtesy towards any new order placed within 12 months of the cancellation date.  Orders where the initial deposit has failed or no payments have been received in 12 months will be considered abandoned and cancelled and cannot be refunded.   

When will I receive my purchase? Each piece of jewelry is made to order, and work will start once your last payment is paid in full.  The production time for each item is detailed in the item description.

How do I start? It's easy.  If you’d like to put a purchase on layaway, just let us know before you place an order.  You can use our Contact Us form, or reach out via chat or telephone at 1-800 921-8750.