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Love Doesn't Have
To Wait

  • 0% Interest
  • No Hidden Fees
  • No Down Payments
  • Same Day Approvals
Apply Now
 

 

No credit needed, Bad Credit accepted

No Credit Needed

Our clients are not turned away simply because they have bad or no credit.

Easy Credit Approval

Easy Credit Approval

Apply in minutes and be approved today. Our easy application requires minimal information.

100% approval

100% Approval*

Guaranteed approval when you verify your identity and proof of income*.

Transparent Terms

Transparent Terms

Simple 0% interest financing. No hidden fees or early payment penalties.

 

APPLY, VERIFY & SHOP IN 5 EASY STEPS


Step 1

Apply

Click the apply now button to create an account and start your application.


Step 2

Verify your details

After submitting your application, verify your details through 50|50's secure website.


Step 3

Receive your credit

Once approved you can start shopping immediately.


Step 4

Shop

Shop for your perfect item and your 50|50 Credit will be applied at checkout.


Step 5

Pay Over Time

Repay your loan with convenient monthly repayments over 12 months.


 

What do I need to apply for financing with 50|50 Pay?

Applying with 50|50 Pay is easy. The loan process requires minimal information in order to verify your identity and establish a credit amount.

A valid driver’s license or state ID
Proof of income from a job you've held for at least 3 months
An active checking account with direct deposit

What’s even better? 

50|50 Pay believes in equal opportunity lending.  50|50 Pay will take a wholistic approach and evaluate consumers on a number of different criteria in order to make a credit decision.  50|50 Pay will not turn away individuals simply because they have bad or no credit.

Ready to apply?

Apply Now

 

* Guaranteed approval if employed with the same company for longer than three months, proof of active checking account with direct deposit, valid social security number, proof of income provided in the form of a checkstub, no open bankruptcy, no "NSF's or excessive overdrafts within the last 30 days.

 

Frequently Asked Questions

 

50|50 Pay is Gage Diamond’s exclusive financing partner.  50|50 pay offers simple and transparent financing for both online and in-store purchases at Gage Diamonds.  With 50|50 Pay there are no gimmicks like deferred interest or hidden fees so the total you see at checkout is always exactly what you’ll pay.

50 |50 Pay offers 100% financing to most of its borrowers, but may require a down payment of up to 50%.

You can apply in three simple ways:

Click on the Apply Now button above.  If you are a new customer you will need to create an account so that we can track your loan application at Gage.  Once you create an account you will be directed to the 50|50 Pay site to start a loan application.  If you are a returning customer, you can login into your account and go to the 50|50Pay Applications under My Account and click on the create a new one or Manage My Account link, where you will be directed to the 50|50 Pay website.

You can also start an application by creating a new account by clicking on the My Account link in the top menu.  After creating an account you will go to the 50|50Pay Applications under My Account and click on the create a new one or Manage My Account link, where you will be directed to the 50|50 Pay website to start an application.

The last way to apply is through the easy checkout process.  Once you reach ‘Payment Step 4’, before entering any credit card details click the link to start a new application.

Yes!  Whether you have poor credit from bankruptcy, no credit or bad credit scores, 50|50 Pay will take a wholistic approach and evaluate consumers on a number of different criteria in order to make a credit decision.  50|50 Pay does not turn away individuals simply because they have bad or no credit.

For most of its borrowers, 50|50 Pay offers 0% APR, $0 down, 12 month term loans that are payable in equal installments.  There are no application fees, late fees or prepayment fees. 

No!  50|50 Pay currently offers 0% APR financing to all of its borrowers.

Yes!  50 |50 Pay offers 100% financing to most of its borrowers. 

No!  For most of our borrowers, we do not require a down payment at all.  In other words, we will finance 100% of your purchase price. 

50|50 Pay will need to verify you identify, your income and your banking information.  You will need to provide a valid Driver’s License or ID, your most recent paystub, and most recent 30 day bank statement.  The 50|50 Pay online application process is quick, easy and secure.  You can upload documents or send pictures directly from your phone.  50|50 Pay takes online security seriously.  All personal and sensitive data is encrypted using 128-bit SSL encryption.  Additionally, the 50|50 Pay website is monitored by Verisign, the highest level of online site security. 

No!  If you get approved for a loan then you be prompted to sign your loan documents which will complete your checkout process with Gage.

If you return your order within Gage’s 30 day return policy your loan will be cancelled and any payments you made will be returned to you.

Approved applications expire after 21 days. If your application for credit expires before you use it, you can apply again.