Financing and Payment Options

Below you will find some frequently asked questions about payments and financing. If you have any further questions, please contact one of our personal shoppers and they will happily help you through the process.

We offer safe and secure checkout options where you can purchase with confidence using your Visa, MasterCard, Discover Card or American Express. We also accept payments via PayPal for your convenience and security, and easy 3, 6 or 12 month financing through Affirm.


You can now get the engagement ring of your dreams with easy financing through Affirm.

Affirm is a financing alternative to credit cards and other credit payment products. Affirm offers instant financing for purchases online. With Affirm, you can buy and receive your purchase now, and pay for it in fixed monthly installments over the course of three, six, or twelve months. And unlike other financing options, there are no gimmicks like deferred interest or hidden fees, so the total you see at checkout is the always what you’ll actually pay.

Why buy with Affirm?

Here is what Affirm offers:

  • Buy and receive your purchase now, and pay for it over three, six, or twelve months. This allows you to split up the price of your purchase into fixed payment amounts that fit your monthly budget.
  • If Affirm approves you for a loan, Affirm discloses your loan terms before you make your purchase. You’ll know exactly how much you’ll owe each month, the number of payments you must make, and the total amount of interest you’ll be paying over the course of the loan. Affirm does not charge hidden fees.
  • The application process is secure and instantaneous. Affirm asks you for a few pieces of information. After you provide this information, Affirm will notify you of the loan amount you’re approved for, the interest rate, and the number of months you will have to pay off your loan, all within seconds.
  • You don’t need to have a credit card to make a purchase. Affirm lends to its partners directly on your behalf.
  • Affirm bases its loan decision not only on your credit score, but also on several other data points about you. You may be eligible for Affirm financing even if you don’t have an extensive credit history.
  • Affirm will send you email and SMS reminders in advance of your upcoming payment. You can also enable “Autopay” to schedule automatic monthly payments on your loan.

How does Affirm work?

Here are the steps in the Affirm loan application process:

  1. Select to pay with Affirm at checkout.
  2. Affirm will prompt you to enter a few pieces of information – your name, email, mobile phone number, date of birth, and the last four digits of your social security number. Please ensure that all of this information is your own and is consistent information otherwise you may experience difficulty with your checkout.
  3. To ensure that you’re the person making the purchase, Affirm will send a text message to your cell phone with a unique authorization code.
  4. Enter the authorization code into the application form. Within a few seconds, Affirm will notify you of the loan amount you’re approved for, the interest rate, and the number of months you will have to pay off your loan. You will have the option to choose to pay off your loan over three, six, or twelve months. Affirm will also state the amount of your fixed, monthly payments and the total amount of interest you’ll pay over the course of the loan.
  5. If you would like to accept Affirm’s financing offer, click “Confirm Loan” and you’re done.

Going forward, you’ll get monthly email and SMS reminders about your upcoming payments. You can also set up autopay to avoid missing a payment. Your first monthly payment will be due 30 days from the date we the merchant completes processing your order.

For additional Affirm information and FAQ’s, please click here.


We proudly accept all major credit cards - Visa, MasterCard, Discover Card, and American Express.


For your convenience and security, we accept payments through PayPal. Simply select the PayPal payment method at checkout and you’ll be navigated to your PayPal payment page.


If you would prefer to split your purchase into more than one payment or spread out your payments over the course of a few weeks, MiaDonna® offers a flexible Layaway Program. Here’s how it works:

  1. Once you find your dream ring, it’s time to submit your request for our layaway program.
  2. Email the following information to
    1. 4 week plan - Total of 3 equal payments (Deposit plus a payment every 2 weeks, dates are pre-determined). Only available for purchases over $1500.00
    2. 8 week plan - Total of 5 equal payments (Deposit plus a payment every 2 weeks, dates are pre-determined). Only available for purchases over $1500.00
    3. Ring Details - Please send the ring you are interested in, center stone material, shape, carat weight, side stones (if applicable), metal type, and ring size.
  3. Once your layaway and preferred payment plan is confirmed and approved by a MiaDonna representative, we will provide a payment schedule and estimated delivery date.
  4. A valid credit card will be kept on file and automatically charged on the pre-determined due dates. Payments will not be accepted over the phone, other than to pay off the remaining balance in advance.
  5. Upon receiving your last and final payment, your jewelry will be shipped to you via highly insured, signature required, UPS 2-day air (USA domestic).

Other Information:

  • We will begin crafting your ring upon receipt of your second to last payment.
  • Once your Layaway plan has been finalized and your deposit has been received, you cannot change the pre-determined payment date or payment amount. However, you can pay off your balance at anytime.
  • Cancellation Policy: If for any circumstance you cancel your layaway prior to full payment, MiaDonna will refund you 90% of the total dollar value captured to-date. 10% of the total dollar value paid prior to cancellation will be retained by MiaDonna as an opportunity cost.