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Financing

 

Frequently Asked Questions

How Does LendFirm® Make Money If It Charges Little To No Interest?

Gage Diamonds and LendFirm® are partner companies. We make our “interest” by sourcing our products at wholesale prices and offering them at competitive retail prices. By partnering directly with LendFirm® we can offer little to no interest financing to our customers.

What are the terms for financing?

LendFirm® offers 12 or 24 month term loans with interest rates as low as 4.95% 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.

What do I need to apply?

1. A valid driver’s license or State ID.

2. Your most recent 30-day bank statement.

3. Verify your bank account through our secure online bank verification process.

Do I Have To Put A Down Payment?

For most of our borrowers, we do not require a down payment at all. For some borrowers, LendFirm® may require a down payment of up to 50%.

What if i have bad credit, can I still apply?

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

Do I have to pay off my loan in full before my item is shipped?

Nope. If you get approved for credit then you can start shopping immediately at Gage Diamonds. After you complete your order, Gage Diamonds will begin processing your order and will ship out your order within the estimated delivery time.

What happens to my loan if I return my order?

If you return your order within Gage’s 30 day return policy, any loan payments you made will be returned back to you within 7 business days.

Gage Diamonds and LendFirm® are partner companies. We make our “interest” by sourcing our products at wholesale prices and offering them at competitive retail prices. By partnering directly with LendFirm® we can offer little to no interest financing to our customers.

For most of our borrowers, we do not require a down payment at all. For some borrowers, LendFirm® may require a down payment of up to 50%.

LendFirm® offers 0% interest, 12 or 24 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.

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

1. A valid driver’s license or State ID.

2. Your most recent 30-day bank statement.

3. Verify your bank account through our secure online bank verification process.

Nope. If you get approved for credit then you can start shopping immediately at Gage Diamonds. After you complete your order, Gage Diamonds will begin processing your order and will ship out your order within the estimated delivery time.

If you return your order within Gage’s 30 day return policy, any loan payments you made will be returned back to you within 7 business days.

IMPORTANT DISCLOSURES

All installment loans are issued by LendFirm LLC dba www.lendfirm.com. LendFirm LLC dba www.lendfirm.com is located at 165 W. Chicago Ave., Suite 202, Chicago, IL 60654. The minimum loan amount is $2,000 and the maximum loan amount is $10,000. Loan terms are for 12 or 24 months. Payments for the loan are payable in equal installments. Payments are automically debited from your checking account on the same schedule as your regular payment schedule from your employer (either weekly, bi-weekly, semi-monthly, or monthly). Installment loans will incur fixed interest rates ranging from 4.95% to 18.95% APR through out the term of the loan. There are no fees charged for late payments, returned payments, or prepayment of your principal balance before the loan term ends.

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