We believe everyone deserves a ring that feels just right, without financial stress. Whether you’re planning ahead or ready to commit today, we offer flexible payment options that meet you where you are.
Compare your options at a glance
| Option | MINIMUM AMOUNT | Interest Rate | Repayment Terms | Processing Time | Can combine with other offers? |
|---|---|---|---|---|---|
| Affirm Pay in 4 | $50 | 0% APR | 4 biweekly payments | Instant | Yes |
| Affirm Monthly Installments | $50 | 0-36% APR | 3-48 months | Instant (with approval) | Yes |
| Precious Metal Scrap Credit | No minimum | N/A | Immediate store credit | 3-20 business days | Yes |
How Affirm Financing Works
General Terms:
- 0–36% APR, based on creditworthiness and term length
- Soft credit check to prequalify (won’t affect your credit score)
- Hard credit check may apply after accepting the loan
- Down payment may be required
- Late or missed payments may affect your credit
Payment Plan Options:
- Pay in 4: Split your purchase into four interest-free payments every two weeks
- Monthly Installments: Choose from 3 to 48 months depending on the purchase amount and approval
Approval Process:
- Instant application at checkout
- View all available plans and select what works for you
- Approval depends on Affirm’s internal review, your location, and cart value
Apply Precious Metal Scrap Credit
WHAT QUALIFIES:
- We accept gold, platinum, and silver (all purities, but metal must test as authentic).
- Trade in old jewelry, broken pieces, or scrap metal.
- Non-precious or plated metals will be returned or recycled.
How It Works:
- Submit your scrap in person or by mail.
- We separate, test, and weigh each metal type.
- Under $1,000 lots: Credited in-house within 3–5 business days based on that day’s market price.
- Over $1,000 lots: Sent to our trusted refiner for full analysis using XRF or Fire Assay.
- ~3 weeks without stone removal
- ~4 weeks with stone removal
Gemstone Handling:
- Easy-to-remove stones (prong settings): removed in-house.
- Flush-set or glued stones: refined out, with a $75 stone removal fee + $15 return shipping (flat fee, no matter how many pieces).
- Returned Stones: Valuable gems are returned automatically. For sentimental stones, please let us know in advance. Note that soft stones (like turquoise) may not survive the refining process.
What You Should Consider:
- Scrap value is based on the live market price on the date of settlement.
- Credit is applied to your online account and can reduce your financed amount via Affirm.
- Scrap credit cannot be redeemed for cash.
Can I Combine Scrap Credit with Affirm?
Absolutely. Your approved scrap credit is placed directly into your Bohemi online account as Shopify store credit.
Here’s how it works at checkout:
- Log in to your Shopify account or use Shop Pay to access your available credit.
- Apply your store credit first.
- If your credit covers the full purchase, you’re all set.
- If not, the remaining balance will still appear.
- Select Affirm as your payment method to finance the remainder. Affirm pays Bohemi the full balance upfront, while you pay Affirm back in manageable installments.
What this Could Look like for You
- Scrap Credit: $380 from a broken family bracelet
- Jewelry Price: $1,280
- Remaining Balance: $900
- Payment Plan: $900 financed with Affirm over 6 months at 0% interest
- Monthly Payment: $150
This way, your scrap credit lowers the financed amount, reducing your monthly payments while making the most of both options.
Ring Pricing Calculator
Calculate your metal credit and Affirm financing options
Trade-in Metal Credit
💍 Example: Grandmother's gold bracelet = $380 credit
Ring Selection
💎 Choose from our engagement collection
Affirm Financing
📅 Select your preferred payment schedule
💰 Your Payment Breakdown
📋 Example Calculation
Ring Price: $3,900
Metal Credit: $380 (grandmother's gold bracelet)
Balance: $3,520
Affirm (6 months): $587/month with 0% interest
NEED HELP? We’re here.
FAQs
Who qualifies for Affirm financing?
Affirm financing is available to U.S. residents who are 18 years or older, have a valid U.S. mobile number and email, and meet Affirm’s approval requirements. Approval is based on Affirm’s internal review of your credit profile, purchase amount, and location. Unfortunately, Bohemi has no say in whether you qualify for Affirm so it’s best to check ahead of purchasing an engagement ring.
Does Affirm affect my credit score?
Checking if you prequalify will not impact your credit score. However, once you accept a financing plan, Affirm may perform a hard credit inquiry. Making your payments on time can positively impact your credit, while late or missed payments may hurt your score.
Can I use both scrap credit and Affirm?
Yes! You can apply your precious metal scrap credit toward your purchase, and then finance the remaining balance through Affirm. Scrap credit reduces the financed total, making your monthly payments more manageable.
How is my scrap credit calculated?
Scrap credit is determined by:
The type of metal (gold, silver, platinum)
The purity (e.g., 14k vs. 18k)
The live market price on the settlement date
Lots under $1,000 are valued in-house and credited within 3–10 business days. Larger lots are refined professionally (using XRF and Fire Assay) for precise valuation, with credit applied after the refiner’s results
What happens if my scrap is worth more than expected?
If your metal tests higher in purity or weighs more than estimated, your credit will increase to reflect the true market value. We’ll always notify you with a detailed breakdown before applying the final credit.
Can I send in scrap with set gemstones?
Yes. Stones in prong settings that are easy to remove can be taken out in-house. For flush-set or glued stones, our refiner must dissolve the metal to recover them, which requires a $75 removal fee + $15 return shipping.Valuable stones (like diamonds and sapphires) are returned automatically. Sentimental stones should be flagged to us in advance so we can take extra care. Soft stones (e.g., turquoise) may not survive the refining process and cannot be guaranteed.
When will I see my payments options?
For scrap credit, timing depends on the lot size:
Under $1,000: Credit is applied within 3–10 business days after we test and weigh your metals in-house.
Over $1,000: Credit is applied once our trusted refiner completes a full analysis—about 3 weeks (no stones) or 4 weeks (with stone removal).
In both cases, you’ll receive a detailed breakdown by email or phone before your store credit is finalized and applied toward your purchase
