Financing

 

Payment Plans Made Easy

FInancing

 

In-store Financing

 
We're offering the opportunity for you to truly shine! Whether you're planning for that special occassion, or you're ready to say "out with the old and in with the new" we've got you covered. Raymond Lee Jewelers currently offers 1 year of interest free finacing through Wells Fargo Bank. Must be in person to apply. 
 
Financing

Online Financing

For online purchases, finanicng is available through Affirm. To apply, simply add the item(s) to your shopping cart, select Affirm as your checkout method, and follow the steps provided. Affirm currently offers between 10-30% APR and monthly payment plans over 3, 6, and 12 months. 

Financing

Layaway

 

Step 1: Choose your item > Shop Now

Step 2: Call 1-800-329-4367 to speak with a consultant or email info@raymondleejewelers.net to place your item on layaway

Step 3: Choose from one of our easy payment options

 

The Raymond Lee Jewelers credit card is issued by Wells Fargo Financial National Bank, an Equal Housing Lender. *Special terms for 12 months apply to qualifying purchases of $1.00 or more charged with approved credit at participating merchants. The special terms APR will continue to apply until all qualifying purchases are paid in full. The monthly payment for this purchase will be the amount that will pay for the purchase in full in equal payments during the promotional (special terms) period. The APR for Purchases will apply to certain fees such as a late payment fee or if you use the card for other transactions. For newly opened accounts, the APR for Purchases is 27.99%. This APR may vary with the market based on the U.S. Prime Rate and is given as of 07/29/2016. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. If you use the card for cash advances, the cash advance fee is 5.00% of the amount of the cash advance, but not less than $10.00.

*Subject to credit approval. Call for details.

 

 

Implications of non-payment: There are no financial implications. If no payment is made the loan simply defaults. Collection practices include sending a text message or email reminding the client payment is due. There is no impact to a client's credit score for late or non-payment. Loans are renewed when an interest payment is made. APR does not exceed 36%. There are no additional fees or penalties when renewing a loan. No loans offered are under 60 days. Early prepayment options that are available are not associated with any fees or cost. The loan is not required to be repaid within 60 days. The minimum repayment period is 1 day and maximum is 10 years. An example of a loan is: borrower takes $100, repays $106 in 90 days. Loan is fulfilled.

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