Financing (V3)
Financing
We offer financing through the Wells Fargo Jewelry Advantage® Program, a credit card program issued by Wells Fargo Bank, N.A., so you can enjoy your piece today while paying over time. All financing is subject to credit approval. Wells Fargo runs your credit and makes every decision, and Wells Fargo is your source for exact terms and payment amounts.
Quick Guide
- Financing: two options through Wells Fargo, subject to credit approval.
- To apply: in store digitally, or by secure email link sent ahead of your visit. Text us at 503-363-5640 to request a link.
- Approvals: Wells Fargo runs your credit and makes every decision, and we're not able to influence or change an outcome.
- Payments: we're not able to calculate your monthly payment. Wells Fargo is your source for exact terms and payment amounts.
Do you offer financing?
Yes. We offer financing through Wells Fargo, subject to credit approval. Wells Fargo issues the credit card and makes every credit decision.
What financing options do you offer?
We offer two options through Wells Fargo, both subject to credit approval. Our most common is 12 months with 0% interest. For a longer term, we also offer 36 months at 9.99%. Wells Fargo sets the terms and confirms them in your credit card agreement, so they're your source for exact details, including payments.
Is this a credit card or a loan?
It's a Wells Fargo credit card program. If you're approved, you'll receive a card in the mail, and your account works as a revolving line of credit you can use for future purchases, up to your available credit. Wells Fargo issues and manages your account. It isn't a payment or billing plan from Jackson Jewelers.
How do I apply for financing?
You can apply in store digitally, no paperwork required. We'll provide a digital application device (tablet or computer) and you fill out the application yourself, with Jackson Jewelers on hand for any questions along the way.
To apply ahead of your visit, text us at 503-363-5640 with your full name, email address, mailing address, the item you'd like to purchase, the amount you're financing, and whether you're interested in the 12-month or 36-month option. We'll send you a secure application link by email, which is how a remote application is completed with Wells Fargo.
Will applying for financing affect my credit?
Yes. When you apply, Wells Fargo makes a hard inquiry with the credit reporting agencies as part of reviewing your application.
Who approves financing applications?
All credit decisions are made solely by Wells Fargo. Jackson Jewelers is not responsible for the approval or denial of any financing application, and we're not able to advocate for or change any outcome.
Will I be approved for financing?
We're not able to tell you in advance. Wells Fargo reviews every application on its own, and we don't see your credit before you apply. We're happy to help anyone who'd like to apply.
Why was my financing application denied?
Only Wells Fargo knows the reason, and we aren't told. If an application isn't approved, Wells Fargo mails the applicant a letter explaining the reasons. We're happy to talk through other ways to pay for your piece, just text us at 503-363-5640.
What happens after I submit my application?
Once your application is with Wells Fargo, they review it and may contact you directly by phone or email if they need more information, so please keep an eye out for that. They'll approve or deny the requested amount, sometimes for more, sometimes for less, based on your credit history.
We're notified of the decision and the approved amount, and you'll also get an email from Wells Fargo with your account information. Be sure to write down your account number and keep it handy, since you can use it for future purchases and for looking up your account later.
Once we know your approved amount, we'll follow up to confirm the plan you'd like and the amount you want to borrow. From there, you'll either sign digitally in store, or we'll send you another secure link by email to sign remotely.
Can I use my account for future purchases?
Yes. Financing through Wells Fargo is a credit card program. Once you're approved, you'll receive a card in the mail, and your account works as a revolving line of credit, so it stays open for future purchases with us, up to your available credit. Keep your account number handy, since you can use it for your next purchase without applying again. Wells Fargo issues and manages your account, including billing and statements. Terms offered on a future purchase may differ from today's.
Can you calculate my exact monthly payment?
We're not able to calculate payment amounts. Your approved amount, payment schedule, and monthly payment are confirmed directly by Wells Fargo once your application is approved. Any monthly payment figure you receive from our online chat or from a Jackson Jewelers team member, rather than directly from Wells Fargo, is an estimate for general education only and isn't final. Wells Fargo determines and confirms your actual monthly payment after your application is approved.
Where do I make my monthly payments?
Payments go directly to Wells Fargo, and we aren't able to accept payments on your account. You can pay online at wellsfargo.com/cardholders, by mail using the payment stub on your statement, by phone at 1-800-459-8451, or in person at a Wells Fargo bank location. Wells Fargo Customer Service is available Monday through Friday, 6 a.m. to 4 p.m. Pacific, and the same number offers a 24-hour automated service. For questions about your terms, your credit card agreement is the best place to look, and for questions about your account or billing, Wells Fargo is your best resource.
