At Pochy Jewelry, we understand that investing in fine jewelry is an important decision and we want to make the process as easy and accessible as possible. That’s why we offer flexible financing options designed to fit your needs and help you get the chain, bracelet, or custom piece you’ve always wanted.
Plus, all of our financing options are available directly through our website, so you can choose the option that works best for you and apply for financing from the comfort of your home.
Affirm - Buy Now, pay later
Stock up on the sparkle at Pochy Jewelry. Shop gifts for you or for someone special and pay over time with Affirm. Never pay any hidden fees. See footer for details.
To apply, you must meet these eligibility requirements:
Be a resident of the U.S. (including U.S. territories)
Be at least 18 years
Have a social security number
Have a phone number that receives SMS
You can also use Affirm in Canada.
pay your way with Klarna
Buy now and pay later with Klarna's flexible payment options. Choose to pay in 4 interest-free payments, pay the full amount, in 30 days or over time.
To be eligible to use Klarna you must:
Be a resident of the United States or its territories
Be at least 18
Have a valid bank card/bank account
Have a positive credit history
Be able to receive verification codes via text
Afterpay - Buy Now. Pay... after!
Cash App Afterpay Pay-in-4
4 payments over 6 weeks, interest-free or
Cash App Afterpay Pay Monthly
Pay over time in 3, 6, 12 or 24 months
DISCLAIMERS
You must meet eligibility criteria to qualify. Loans through the Afterpay Pay Monthly program are underwritten and issued by First Electronic Bank. Loans are subject to credit check and approval and are not available in all states. For complete terms see Afterpay terms (https://www.afterpay.com/en-US/loan-agreement) and Cash App terms (https://cash.app/legal/us/en-us/tos).
Meet the PayPal Credit Card
With the PayPal Credit Card, enjoy No Interest if paid in full in 6 months on qualifying travel purchases posted to your account by September 30, 2026. Plus, enjoy special financing on purchases of $149+ when checking out with PayPal.1 Pay for hotels, flights, and more everywhere Mastercard® is accepted, with no impact to your credit score if declined.
To be eligible for PayPal you must:
Be a resident of the United States or its territories
Be at least 18
Have a valid bank card/bank account
Have a positive credit history
Rates from 0–36% APR. Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Financing Law license. For licenses and disclosures, see affirm.com/licenses. For example, a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR
FAQs
We offer flexible financing through Klarna, Affirm, and Acima. Whether you’re looking to split your purchase into smaller payments or qualify without credit, we’ve got an option for you.
• Klarna – Offers “Pay in 4” interest-free installments or longer-term monthly plans. No hard credit check for Pay in 4.
• Affirm – Choose 3, 6, or 12-month payment plans with clear terms and no hidden fees. Subject to credit approval.
• Acima – No credit needed lease-to-own option. Perfect for buyers who may not qualify through traditional credit checks.
Simply add your item to the cart and proceed to checkout. You’ll be presented with available financing options. Choose Klarna, Affirm, or Acima, and follow the on-screen prompts to complete your application.
Klarna’s Pay in 4 does not impact your credit.
Affirm may perform a soft or hard credit check depending on the payment plan selected.
Acima doesn’t use your credit score to qualify, but they may review your income and banking history.
Your jewelry will ship just like any other order — there’s no delay when using financing. Once approved, we’ll begin processing your made-to-order piece right away.
Yes! Financing is available on all items, including custom Cuban links and made-to-order chains or bracelets.
Contact us at support@pochyjewelry.com or via WhatsApp and we’ll walk you through your financing options.