Necessities - Flexible Payment Options

Flexible Payment Options

At Necessities, we know that your jewelry purchase may be for celebrating one of life’s most important moments… or just because! We offer many easy payment methods, including financing options with low monthly payments and financing as low as 0% APR. We’re sure we have a payment method that’s just right for that special purchase.

For our domestic customers, we offer a variety of payment methods at checkout designed to make it easy for you to complete your purchase quickly. Choose from these preferred payment types, or choose a financing option below.

Payment Methods

  1. Credit Cards
  2. PayPal
  3. Venmo (mobile checkout only)
  4. Apple Pay
  5. Google Pay
  6. Bank Wire Transfers

Necessities accepts all major credit cards, including Visa, Mastercard, Discover, and American Express. Simply enter your credit card and billing information at checkout. For your security, we do not store your credit card information on our website. Please note that if your purchase exceeds your credit limit or your card is declined, your order will be automatically canceled. You will receive an email from us if that happens.

Alternatively, you can use PayPal, Venmo (mobile checkout only), Apple Pay, or Google Pay to make a safe and secure online payment.

We also accept bank wire transfers for all orders over $500. Once you place your bank wire order, we will provide you with the account information needed to initiate the transfer from your bank to Necessities' bank. This process may take a few days. Once complete, we will notify you and immediately process your order. Some banks charge a fee for wire transfers, so please contact your bank for any questions regarding fees. At this time, wire transfers are only available to customers within the United States.

Financing Options

Take advantage of our fast and easy financing options. We’ve partnered with Affirm to offer traditional financing. For customers with no credit, try Katapult for a simple lease-to-own option. For more details, click here.

Affirm

With special financing from Affirm, you can make easy monthly payments for up to 36 months, with rates as low as 0% APR! Just fill out some basic information, and Affirm will make a real-time decision about your credit limit and payment terms. Affirm financing is available to U.S. customers only and may not be available in every state. You can also get pre-qualified by visiting Affirm at Affirm.com or by calling 855-423-3729.

  • Flexible Monthly Payments
    Choose up to 36 monthly payments, from 0% APR financing* For example, a $2,000 purchase might cost $69.57/month over 36 months at 15% APR. *Learn more on our Affirm Financing Page.
  • Instant Decision
    Your loan is complete, and we can process your order immediately. Choose the payment schedule that works for you.
  • No Credit Check
    Checking eligibility will not affect your credit score.
  • Simple Checkout
    Just select Affirm and enter some basic information for an instant loan decision.

Katapult

Katapult offers a lease-to-own payment option with no credit required. Learn more on our Katapult Lease-to-Own Page.

  • No Credit Required
    Real purchasing power with up to $3,500 in lease pre-approval. Fast approval within 5 seconds, with no credit required.
  • Pay Over Time
    Hyper-flexible purchase plans that let you pay over time and purchase anytime.
  • Award-Winning Customer Service
    Rated 4.4 stars out of 5 on Trustpilot. No surprises—total transparency and never a late fee.

International Payment Options

Necessities is pleased to offer translated and localized checkout experiences for specific countries. We provide local payment methods, including major credit cards, Klarna, PayPal, Apple Pay, Google Pay, and others. Not all payment options are available in each market, and the payment methods available for each country will be shown at checkout. Please note that pricing is presented in local currency and Delivered Duty Paid (DDP), meaning the price you see is all-inclusive of the item price plus applicable duties, taxes, and shipping charges.