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Split your purchase into simple monthly payments with an APR starting at 4.95%. Learn More
START BY CREATING AN ACCOUNT
In order for us to track your financing application, you must create a Gage Diamonds account first. After you create an account you will be directed to the LendFirm® website to start your online loan application. If you already have an account, then click on the Login button below.
LendFirm partners with select merchants to assist credit-stretched consumers with their purchases. Their process only requires that you provide an unexpired photo ID, your most recent 30-day bank statement, proof of payment, and that you verify your bank information. LendFirm evaluates consumers to determine eligibility by assessing factors beyond the credit score, such as income history and bank account standing. This process allows for a clear approval decision, quickly.
1. Create an Account
2. Provide Proof of Income
3. Verify Your Identity
?
| Gage Diamonds & LendFirm | Zales | Kay Jewelers | Jared | Brilliant Earth | |
|---|---|---|---|---|---|
| credit requirement | no | yes | yes | yes | yes |
| interest rate | as low as 4.95% | up to 29.99% | up to 29.99% | up to 29.99% | up to 28.99% |
| report to credit bureaus | yes | yes | yes | yes | yes |
| personalized payment plans | yes | no | no | no | no |
| minimum purchase | no | yes | yes | yes | no |
| transaction fees | no | yes | yes | yes | no |
| Gage Diamonds & LendFirm | |
|---|---|
| credit requirement | no |
| interest rate | as low as 4.95% |
| report to credit bureaus | no |
| personalized payment plans | yes |
| minimum purchase | no |
| transaction fees | no |
| Zales |
|---|
| yes |
| up to 29.99% |
| yes |
| no |
| yes |
| yes |
| Kay Jewelers |
|---|
| yes |
| up to 29.99% |
| yes |
| no |
| yes |
| yes |
| Jared |
|---|
| yes |
| up to 29.99% |
| yes |
| no |
| yes |
| yes |
| Brilliant Earth |
|---|
| yes |
| up to 28.99% |
| yes |
| no |
| no |
| no |
The loan process requires minimal information to verify your identity and establish a credit amount. You will need to provide either an unexpired US driver’s license, passport, or state ID; your most recent bank statement; a valid checking account, and your most recent pay stub or proof of income. LendFirm may also require further documentation to verify your information. At this time, LendFirm does not accept prepaid or online-only banks.
The loan application process is quick and easy. LendFirm requires applicants to answer a few questions and complete a secure online verification process. Applicants will be notified by email of LendFirm’s approval decision within 24 hours.
LendFirm offers 6, 12, 18 or 24-month term loans with interest rates starting at 4.95%. Payments are made in equal installments and there are no application fees or prepayment fees. What you see at checkout is always what you’ll pay!
LendFirm offers 100% financing with a few basic conditions, including the ability to verify your identity and income. Requirements include proof of income, an unexpired US driver’s license, passport, or state ID, your social security number and a checking or savings account with direct deposit.
Yes. Whether you have poor credit from bankruptcy, no credit history or bad credit, LendFirm will evaluate consumers on several different criteria to make an approval decision.
There is no hard pull on your credit when applying for a LendFirm Credit Builder Account.
LendFirm does report payments to a credit bureau.
LendFirm currently offers interest rates starting at 4.95% APR, over a 6, 12, 18 or 24-month term, payable in equal installments. LendFirm does not charge early payment penalties, however, they do charge a $25 late fee for returned payments.
For most borrowers, LendFirm does not require a down payment at all. For some borrowers, LendFirm may require a down payment of up to 50%.
Online applicants will receive an email notifying them of LendFirm’s decision within 24 hours.
Yes, LendFirm accepts applications from current borrowers, however, your current balance and payment history with LendFirm will have an impact on the approval decision and the amount of credit that will be granted. If you are interested in a new loan, please call LendFirm at 888-763-3898.
Yes. LendFirm offers 100% financing up to $20,000, depending on your individual loan terms.
Add the item(s) you wish to purchase to your cart and proceed to checkout. If you have a down payment, or your purchase amount exceeds your loan amount, you will be required to provide your credit or debit card information to cover the remaining amount before completing your purchase.
Loans expire 30 days from the date of approval. If your loan expires and you wish to finance your purchase, you will need to re-apply with LendFirm.
Your payment schedule will mirror your pay dates from your employer or pension provider. Your schedule can be found in your loan documents.
All payments are withdrawn directly from the checking or savings account you provided when applying for your loan. Payments are withdrawn on the same schedule as your regular payment schedule from your employer or pension provider. If you need to update your bank account information for any reason, please call LendFirm at 888-763-3898.
LendFirm charges your account on the first pay date following your purchase from Gage Diamonds to make sure there are funds available in your account.
Yes. You will not incur any pre-payment penalties or other charges should you choose to pay your loan off early.
Yes. We offer a 30-day return policy for non-custom items. If the item is custom, LendFirm will assess a 35% restocking fee, even if returned within 30 days. LendFirm will refund any payments made, less any return fees. If the return fees exceed the total amount of payments made, then payments will not be refunded and you will still be required to maintain the payment schedule until the remaining balance is paid in full.
Exchanges are handled on a case-by-case basis, dependent on the customization factor of the item(s) purchased. Please contact Gage Diamonds at engage@gagediamonds.com to inquire if your item(s) qualify for an exchange. Allow at least 2 business days for a response.
Any refunds will be applied to your account and adjustments will be made. You are still required to maintain the payment schedule until the remaining balance is paid in full.
You can view your balance, payment schedule, loan documents and more through LendFirm’s customer portal.
Once your loan balance is paid off, your LendFirm account will close automatically.
Call LendFirm at 888-763-3898 or email at cs@lendfirm.com to speak with a LendFirm customer service representative.
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