{"id":2801,"date":"2026-06-16T11:44:32","date_gmt":"2026-06-16T15:44:32","guid":{"rendered":"https:\/\/pereirajewelry.com\/?page_id=2801"},"modified":"2026-09-15T15:42:42","modified_gmt":"2026-09-15T19:42:42","slug":"financing","status":"publish","type":"page","link":"https:\/\/pereirajewelry.com\/es\/financing-leasing\/","title":{"rendered":"Financiamiento y arrendamiento"},"content":{"rendered":"
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Ways to Pay at Pereira Jewelry<\/h1>\n

Take it home today. Pay over time.<\/h2>\n

The right piece shouldn’t have to wait for the right month. At Pereira Jewelry on Park Street in Hartford, we offer three separate ways to pay over time \u2014 one online and two right here at our counter \u2014 so the ring, chain, or watch you came in for can leave with you today.<\/p>\n

Every option is provided by an independent third-party company. We’ll walk you through all of them in English or Spanish, with no pressure and no guesswork.<\/p>\n

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Option 1 \u2014 Affirm: Pay Monthly, Online<\/h2>\n

This is a loan.<\/strong> Affirm is a lender. When you check out on our website, Affirm can split your purchase into fixed monthly payments, with the interest rate and total cost shown to you up front \u2014 before you agree to anything.<\/p>\n

How it works:<\/strong><\/p>\n

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  1. Add your piece to the cart and select Afirmativo<\/strong> at checkout.<\/li>\n
  2. Enter a few details to see if you’re eligible. Checking your options takes seconds and does not<\/strong> affect your credit score.<\/li>\n
  3. If approved, choose the payment schedule that fits your budget.<\/li>\n
  4. Pay Affirm directly each month. No hidden or late fees from Affirm.<\/li>\n<\/ol>\n

    Best for:<\/strong> Online shoppers who want a fixed monthly payment and a clear, disclosed rate.<\/p>\n

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    Rates from 0\u201336% APR. Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: affirm.com\/lenders<\/a>. Options depend on your purchase amount, and a down payment may be required.<\/p>\n<\/blockquote>\n

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    Option 2 \u2014 Acima Leasing- Lease to own, In Store<\/h2>\n

    This is not a loan and it is not credit.<\/strong> Acima is a lease-to-own company. Here’s what that actually means: Acima buys the jewelry you picked from us, then leases it to you. You can then make lease renewal payments. After all schelduled payments have been made as detailed in your agreement, that merchandase is your to keep. <\/p>\n

    Acima Leasing offers a low initial lease payment with flexible lease<\/span>
    payment options. An easy application with a fast approval decision<\/span><\/p>\n

    How it works:<\/strong><\/p>\n

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    1. Pick your piece in store at 569 Park St.<\/li>\n
    2. Apply at our counter \u2014 recieve a fast approval in minutes.<\/li>\n
    3. If approved, make your initial payment and take your jewelry home the same day.<\/li>\n
    4. Make your renewal payments to Acima.  <\/li>\n<\/ol>\n

      Best for:<\/strong> Shopping in store.<\/p>\n

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      Acima Leasing is a lease-to-own (rental-purchase) agreement between you and Acima \u2014 not a loan, credit, or financing. It is not a credit sale. Ownership transfers only after all required lease payments are made or when you exercise the early purchase option. Actions required to exercise. See agreement for details<\/strong>. The total cost of leasing will be greater than the cash price of the merchandise.<\/strong> You may terminate the lease and return the merchandise at any time without penalty. Approval is not guaranteed. Not available in all states. Ask us in store for the full terms before you sign.<\/p>\n<\/blockquote>\n

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      Option 3 \u2014 Snap Finance: Lease-to-Own, In Store<\/h2>\n

      Also a lease-to-own agreement<\/strong>, not a loan. Snap works the same way as Acima \u2014 Snap purchases the piece and leases it to you \u2014 but with its own approval process and payment schedule. Some customers are approved by one and not the other, which is exactly why we offer both.<\/p>\n

      How it works:<\/strong><\/p>\n

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      1. Pick your piece in store.<\/li>\n
      2. Apply at our counter. applying does not affect your credit score.<\/li>\n
      3. If approved, make your initial payment and take your jewelry home.<\/li>\n
      4. Make your lease renewal payments to Snap. Early purchase options are available.<\/li>\n<\/ol>\n

        Best for:<\/strong> Larger in-store purchases, or a second option if another program doesn’t work out.<\/p>\n

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        Snap Finance offers lease-to-own (rental-purchase) agreements \u2014 not a loan, credit, or financing. Ownership transfers only after all required payments are made or upon exercising an early purchase option. The total cost of leasing will be greater than the cash price of the merchandise.<\/strong> You may return the merchandise and end the agreement at any time. Approval is not guaranteed. Not available in all states. Ask us in store for the full terms before you sign.<\/p>\n<\/blockquote>\n

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        How Do I Apply?<\/h2>\n

        Online:<\/strong> Choose Afirmativo<\/strong> at checkout on our website.<\/p>\n

        In store:<\/strong> Come see us at 569 Park St, Hartford, CT 06106<\/strong>. We’ll sit down with you and go through the Acima<\/strong> and Snap<\/strong> lease-to-own applications in person \u2014 in English or Spanish \u2014 and explain exactly what you’d be signing before you sign it.<\/p>\n

        Questions first?<\/strong> Call or text us at (860) 560-2020<\/strong>. Happy to answer anything before you come in.<\/p>\n

         Frequently Asked Questions<\/span><\/h1>\n
         <\/span><\/div>\n

        Is lease-to-own the same thing as financing?<\/h3>\n

        No, and the difference matters. Affirm is financing<\/strong> \u2014 it’s a loan with a disclosed interest rate and APR. Acima and Snap are lease-to-own agreements<\/strong> \u2014 you’re leasing the merchandise with the option to buy it, not borrowing money. There is no interest rate on a lease-to-own agreement because there is no loan; instead you pay lease renewal payments, and the total you pay will be more than the cash price. Both are legitimate ways to take your jewelry home today. They’re just built differently, and you should know which one you’re signing.<\/p>\n

        Can I purchase the merchandise early<\/span>?<\/span><\/h3>\n

        Yes. Acima Leasing and Snap offer early purchase options. Action required to exercise. See agreement for details. <\/strong>Affirm has no prepayment penalty. Paying early is always better.<\/p>\n

        Do you offer these options in Spanish?<\/h3>\n

        Yes. Our whole team is bilingual. We’ll explain every term, payment, and page of the agreement in Spanish before you sign anything. Hablamos espa\u00f1ol.<\/strong><\/p>\n

        Where are you located?<\/h3>\n

        569 Park St, Hartford, CT 06106.<\/strong> Call or text (860) 560-2020<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

        Ways to Pay at Pereira Jewelry Take it home today. Pay over time. The right piece shouldn’t have to wait for the right month. At Pereira Jewelry on Park Street<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-2801","page","type-page","status-publish","hentry"],"_hostinger_reach_plugin_has_subscription_block":false,"_hostinger_reach_plugin_is_elementor":false,"_links":{"self":[{"href":"https:\/\/pereirajewelry.com\/es\/wp-json\/wp\/v2\/pages\/2801","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pereirajewelry.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/pereirajewelry.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/pereirajewelry.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/pereirajewelry.com\/es\/wp-json\/wp\/v2\/comments?post=2801"}],"version-history":[{"count":19,"href":"https:\/\/pereirajewelry.com\/es\/wp-json\/wp\/v2\/pages\/2801\/revisions"}],"predecessor-version":[{"id":4217,"href":"https:\/\/pereirajewelry.com\/es\/wp-json\/wp\/v2\/pages\/2801\/revisions\/4217"}],"wp:attachment":[{"href":"https:\/\/pereirajewelry.com\/es\/wp-json\/wp\/v2\/media?parent=2801"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}