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
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.