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 in Hartford, we offer three separate ways to pay over time — one online and two right here at our counter — so the ring, chain, or watch you came in for can leave with you today.
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.
Option 1 — Affirm: Pay Monthly, Online
This is a loan. 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 — before you agree to anything.
How it works:
- Add your piece to the cart and select Affirm at checkout.
- Enter a few details to see if you’re eligible. Checking your options takes seconds and does not affect your credit score.
- If approved, choose the payment schedule that fits your budget.
- Pay Affirm directly each month. No hidden or late fees from Affirm.
Best for: Online shoppers who want a fixed monthly payment and a clear, disclosed rate.
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.
Option 2 — Acima: Lease-to-Own, In Store
This is not a loan and it is not credit. 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 make renewal payments to Acima and you own the piece once you complete the lease or use the early purchase option.
How it works:
- Pick your piece in store at 569 Park St.
- Apply at our counter — it takes minutes, and no credit is needed. Applying does not hurt your credit score.
- If approved, make your initial payment and take your jewelry home the same day.
- Make your renewal payments to Acima. Pay it off early to save, or return the merchandise at any time to end the lease without penalty.
Best for: Shopping in store when you’d rather not use credit.
Acima Leasing is a lease-to-own (rental-purchase) agreement between you and Acima — 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. The total cost of leasing will be greater than the cash price of the merchandise. 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.
Option 3 — Snap Finance: Lease-to-Own, In Store
Also a lease-to-own agreement, not a loan. Snap works the same way as Acima — Snap purchases the piece and leases it to you — 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.
How it works:
- Pick your piece in store.
- Apply at our counter. No credit is needed, and applying does not affect your credit score.
- If approved, make your initial payment and take your jewelry home.
- Make your lease renewal payments to Snap. Early purchase options are available.
Best for: Larger in-store purchases, or a second option if another program doesn’t work out.
Snap Finance offers lease-to-own (rental-purchase) agreements — 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. 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.
How Do I Apply?
Online: Choose Affirm at checkout on our website.
In store: Come see us at 569 Park St, Hartford, CT 06106. We’ll sit down with you and go through the Acima and Snap lease-to-own applications in person — in English or Spanish — and explain exactly what you’d be signing before you sign it.
Questions first? Call or text us at (860) 560-2020. Happy to answer anything before you come in.
Frequently Asked Questions
Is lease-to-own the same thing as financing?
No, and the difference matters. Affirm is financing — it’s a loan with a disclosed interest rate and APR. Acima and Snap are lease-to-own agreements — 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.
Do I need good credit?
Not for Acima or Snap — no credit is needed for either lease-to-own program. Both use their own approval process, and applying doesn’t hurt your credit score. Affirm does check your eligibility, but checking doesn’t affect your score either.
Will paying on time build my credit?
Acima and Snap generally do not report lease payments to the major credit bureaus, so these programs are not designed to build credit — on-time payments won’t raise your score. Affirm may report loan activity to a credit bureau. If you’re specifically looking to build credit, ask the provider directly before you sign.
What if I can’t pay?
With Acima and Snap you can return the merchandise and end the lease at any time without penalty — that flexibility is built into a lease-to-own agreement. If an account goes unpaid for a long period and is sent to collections, that collection activity can be reported to the credit bureaus. So if you run into trouble, the right move is to contact the provider early. Affirm is a loan, so missed payments can affect your credit.
Can I pay it off early?
Yes. Acima and Snap both offer early purchase options that reduce your total cost — often significantly. Affirm has no prepayment penalty. Paying early is always cheaper.
Do you offer these options in Spanish?
Yes. Our whole team is bilingual. We’ll explain every term, payment, and page of the agreement in Spanish before you sign anything. Hablamos español.
Where are you located?
569 Park St, Hartford, CT 06106. Call or text (860) 560-2020.