---
title: Do you offer financing or payment plans?
description: VRAI offers pay-over-time and financing options at checkout in the United States. Learn how each option works, who is eligible, and where to find the lending disclosures.
---

[Skip to content](https://help.vrai.com/en/knowledge/do-you-offer-financing-or-payment-plans#main-content)

- [English](https://help.vrai.com/en/knowledge/do-you-offer-financing-or-payment-plans)
- [Deutsch](https://help.vrai.com/de/knowledge/bieten-sie-finanzierungsmöglichkeiten-an)
- [Español](https://help.vrai.com/es/knowledge/ofrecen-planes-de-financiación)
- [Français](https://help.vrai.com/fr/knowledge/proposez-vous-des-plans-de-financement)

English

Show submenu for translations

[![VRAI\_logo\_200x200px.png\]](https://help.vrai.com/hs-fs/hubfs/VRAI_logo_200x200px.png?height=40&name=VRAI_logo_200x200px.png)](https://www.vrai.com/?)

Open main navigation

Close main navigation

- - [English](https://help.vrai.com/en/knowledge/do-you-offer-financing-or-payment-plans)
    - [Deutsch](https://help.vrai.com/de/knowledge/bieten-sie-finanzierungsmöglichkeiten-an)
    - [Español](https://help.vrai.com/es/knowledge/ofrecen-planes-de-financiación)
    - [Français](https://help.vrai.com/fr/knowledge/proposez-vous-des-plans-de-financement)

  English
  
  Show submenu for translations
- [Go to vrai.com](https://www.vrai.com/)

[Go to vrai.com](https://www.vrai.com/)

 Welcome to VRAI! How can we help you?

- There are no suggestions because the search field is empty.

1. [Help Center](https://help.vrai.com/en/knowledge?hsLang=en)
2. [Ordering and payment](https://help.vrai.com/en/knowledge/ordering-and-payment?hsLang=en)

# Do you offer financing or payment plans?

Yes. In the United States you can pay over time at checkout. Our main options are described below: Splitit (also available in Canada), Shop Pay Installments, and Affirm.

### Splitit

![](https://assets.vrai.com/25216/1727895284-splitit-primary-logo-black.png?auto=format%2Ccompress&q=80&w=340)

#### TERMS

- Interest-free installments for 3 months
- Eligible for orders under $65,000
- Available in the United States and Canada only

#### PROCESS

1. Add products to your cart and select "Credit Card Installments" when you check out.
2. Enter a valid credit card with sufficient available credit to cover the purchase amount.
3. Pick a payment plan and complete your purchase.

### Shop Pay Installments

![](https://assets.vrai.com/25216/1720210213-shoppay-black.png?auto=format%2Ccompress&q=80&w=360)

#### TERMS

- Split your purchase into 4 interest-free payments every 2 weeks, or into monthly installments. The options you are offered depend on your purchase amount and eligibility.
- Available in the United States only

#### PROCESS

1. Add products to your cart and select "Shop Pay" when you check out.
2. Enter a valid US debit card. Monthly installment plans can only be paid with a debit card.
3. Pick a payment plan and complete your purchase.

*Rates from 0%-36% APR. Payment options through Shop Pay Installments, are subject to an eligibility check and are provided by these lending partners: [affirm.com/lenders](https://www.affirm.com/lenders). Options depend on your purchase amount, and a down payment may be required. State notices to consumers [https://www.affirm.com/licenses](https://www.affirm.com/licenses). For example, a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR, or 4 interest-free payments of $200 every 2 weeks.*

### Affirm

![](https://cdn-assets.affirm.com/images/logo-03-mono_blk.png)

#### TERMS

- Choose from multiple pay-over-time plans. The plans you are offered depend on your purchase amount and eligibility.
- Available in the United States only

#### PROCESS

1. Add products to your cart and select "Affirm" when you check out.
2. Enter a few pieces of information for a real-time decision. Checking your eligibility won't affect your credit score.
3. Pick a payment plan and complete your purchase.

*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](https://www.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](https://www.affirm.com/licenses). For example, a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR. Full Affirm disclosures: [affirm.com/disclosures](https://www.affirm.com/disclosures).*

*Last revised September 2026.*

- [Diamonds](https://help.vrai.com/en/knowledge/diamonds?hsLang=en)
- [Virtual and in-person appointments](https://help.vrai.com/en/knowledge/virtual-and-in-person-appointments?hsLang=en)
- [Jewelry fit and care](https://help.vrai.com/en/knowledge/jewelry-fit-and-care?hsLang=en)
- [Ordering and payment](https://help.vrai.com/en/knowledge/ordering-and-payment?hsLang=en)
- [Shipping and delivery](https://help.vrai.com/en/knowledge/shipping-and-delivery?hsLang=en)
- [Policies and warranties](https://help.vrai.com/en/knowledge/policies-and-warranties?hsLang=en)
- [Returns and exchanges](https://help.vrai.com/en/knowledge/returns-and-exchanges?hsLang=en)
- [General](https://help.vrai.com/en/knowledge/general?hsLang=en)
- [Holiday](https://help.vrai.com/en/knowledge/holiday?hsLang=en)

[![Chill listening crop-3](https://help.vrai.com/hs-fs/hubfs/VRAI_logo_200x200px-1.png?width=80&height=24&name=VRAI_logo_200x200px-1.png "Chill listening crop-3")](https://www.vrai.com/)

Copyright © 2026, VRAI