Financing your luxury purchases has never been easier

Gray & Sons has partnered with Affirm to make your purchasing decision a little easier. Instead of paying upfront and in full, now you can shop and enjoy immediately, while splitting up the price into affordable monthly payments. Affirm makes financing easy, safe, and convenient for anyone looking to stretch their hard earned dollars into budget-friendly installments.

Choose 12, 24, or 36 monthly payments.

Affirm has designed its loans to offer you flexibility and control over your budget. Affirm offers rates from as low as 0-36% APR based on your credit. Actual rates will be shown at checkout. For Example: A $950 purchase may cost $88.15 for 12 months at 20% APR

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. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lenders Law license. For licenses and disclosures, see 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.

Frequently Asked Questions

What information does Affirm require?

Your Affirm account is created using your name, email, mobile phone number, birthday, and last 4 digits of your SSN. This combination helps Affirm verify and protect your identity.

How do I pay my bills?

You can pay your Affirm bills online at www.affirm.com/pay. They accept payment by debit card, bank transfer and check.

Does Affirm perform a credit check?

Yes, when you first create an Affirm account, Affirm perform a 'soft' credit check to help verify your identity and determine your eligibility for financing. This 'soft' credit check will not affect your credit score.

Why was I prompted to pay a down payment with a debit card?

Affirms tries hard to approve every purchase but sometimes can't approve the full amount. When this happens, Affirm provides a debit card down payment option so that you may still complete your purchase right away.

Why was I prompted for a checking account?

Affirm sometimes requires additional information to consider a credit application. Such information may include an active checking account, which helps Affirm verify your identity and your ability to repay the requested loan. If they prompt you for this information but you are unable to provide it, Affirm will be unable to approve your credit application.

Returns and restocking fees

10 % Restocking fee will be applied to all returns on the purchases that are subject to Affirm financing due to non-refundable transaction fees charged to the vendor.

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