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We've partnered with Affirm to help you get that perfect gift today.

Buy Now, Pay Later

Fixed Payments

No Late Fees


Found the perfect piece of jewelry? Get it with Affirm and pay over time!


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.


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.


Depending on the Purchase Amount, Affirm may present you with Pay in 4 (four interest-free payments) or terms ranging from 3 to 12 monthly payments. No fees. Interest rate is subject to availability.

Why Affirm?

Things to consider when looking into Affirm:

  • Checking eligibility will not affect your credit score
  • No late fees or other hidden costs
  • Your total cost will be displayed upfront, once you have selected your payment plan
  • Fixed payments
  • One-time only loan, you will need to re-apply for subsequent purchases

Ready to apply?

You need 5 simple pieces of information:

  • Name
  • Date of Birth
  • Social Security Number
  • Mobile Phone Number
  • Email Address
  • Select Affirm at checkout

Frequently asked questions

How can I finance my purchase at Banter by Piercing Pagoda with Affirm?

Banter by Piercing Pagoda offers easy and affordable payments online and in stores with Affirm, a loan service provider, at a pace you choose from the available options. You can purchase immediately and pay over time. During checkout at, you can choose Affirm as a payment method and apply for a loan to pay for your items.

For in-store purchases, apply at or download the Affirm app on your phone, pick your desired payment plan and present your digital credit card at the register.

Affirm always shows you the exact terms (subject to your eligibility) and the total amount of interest you will pay, never charging you anything extra. Affirm does not charge any late fees, prepayment fees, annual fees, hidden fees, or service fees to open or close your Affirm account.

When does my virtual card expire?

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.

Does Affirm affect my credit score?

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.

What are my payments options?

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, or 12 monthly payments—and these options may have interest. In some cases, you may need to make a payment at the time of purchase.

Does Banter by Piercing Pagoda charge a fee to use the Affirm payment option?

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

Does Affirm charge interest and fees?

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%. Affirm will show you up front the total amount of interest you’ll pay and will never charge you a penny more.

Why do I need a mobile phone number to apply and use Affirm?

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.

Can I return a financed item?

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 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.

For in-store purchases, you can return your purchase at any Banter by Piercing Pagoda store.

Where do I make my payments?

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

For more information, visit