Skip to Content Skip to Navigation Skip to Offers
affirm | Banter
We've partnered with Affirm to help you get that perfect gift today.
  • Buy Now, Pay Later
  • Fixed Payments
  • No Late Fees

ONLINE

  • Step 1
    Add your favorite piece of jewelry to the cart and select Affirm as your payment method during checkout.
  • Step 2
    Apply online and get a real-time decision - the application process will not affect your credit score.
  • Step 3
    Choose your payment plan (see details below) and finalize your online purchase.

IN-STORE

  • Step 1
    Download the Affirm App to apply and get a real-time decision. The application process will not affect your credit score.
  • Step 2
    Locate your one-time use virtual card in the Affirm app.
  • Step 3
    Present your virtual card to jewelry consultant to finalize your purchase.

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.

No, your credit won’t be affected when you create an Affirm account or check your eligibility (including checking your pre qualification eligibility). When you apply for or check to see if you prequalify for Affirm financing, it’s considered a soft inquiry, which does not affect your credit. If you decide to pay with Installments through Affirm, your payment plan and repayment activity may be reported to credit bureaus. You can find more information on Affirm’s Help Center.

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 3, 6, 12, 18, 24 or 36 monthly payments—and these options may have interest. In some cases, you may need to make a payment at the time of purchase. For example, a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR.

Banter by Piercing Pagoda 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, if you have your receipt, you can return a Banter by Piercing Pagoda purchase you bought with Affirm by initiating the returns process on banter.com. Proceed the way you normally would. To ensure your loan is fully refunded you must return your item by mail or in store. If your payment option through Affirm included interest, any interest paid is non-refundable.

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

For more information, visit www.affirm.com/help