50|50 Pay and Gage Diamonds are partner companies. Like most retailers, we source our products at wholesale prices and offer them at competitive retail prices. We offer 0% APR financing to help our customers make their purchases more affordable.

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. What you see at checkout is always what you’ll pay.

1. A valid driver’s license or State ID

2. Your most recent, full paystub, dated within 30 days of the application date

3. Verify your bank account through our secure online bank verification process or by providing your most recent 30-day bank statement

For most of our borrowers, we do not require a down payment at all. For some borrowers, 50|50 Pay may require a down payment from 5% to 50%.

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

Nope. If you get approved for a loan then you can start shopping immediately at Gage Diamonds and your credit will be applied at checkout.

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.