At Tu Joyita Miami, we want you to wear the jewelry you love without worries. We offer multiple flexible payment options — no hidden fees and fast approval.
PayPal
Affirm
Klarna
AfterpayPay in 4 Installments — Interest-Free
Split your purchase into 4 equal payments every 2 weeks. No interest, no surprises.
PayPal Pay in 4
$30 – $1,500
4 interest-free payments every 2 weeks with your PayPal account.
Afterpay
Up to ~$4,000
4 interest-free payments. Express Checkout available.
Klarna
Flexible
Pay in 4, in 30 days, or choose monthly financing.
Affirm
Up to $30,000
4 payments or financing up to 36 months from 0% APR.
Apply for Financing Directly at Checkout
All our financing options are available directly at checkout. Select your preferred payment method and apply from the comfort of your home.
Affirm
Buy now, pay later with Affirm. Never pay hidden fees.
To apply, you need:
- Be a U.S. resident (including territories)
- Be at least 18 years old
- Have a Social Security number
- Phone that can receive SMS messages
Rates from 0 to 36% APR · 3, 6, 12 or 36 months
CHOOSE AFFIRM AT CHECKOUT →
Klarna
Pay your way with Klarna flexible payment options. Choose to pay in 4 interest-free installments, the full amount in 30 days, or monthly installments.
To use Klarna, you need:
- Be a resident of the United States or its territories
- Be at least 18 years old
- Valid bank card or bank account
- Positive credit history
- Able to receive SMS verification codes
4 interest-free installments · 30 days · Monthly financing
CHOOSE KLARNA AT CHECKOUT →
Afterpay
Buy now. Pay later! Pay in 4 installments every 2 weeks interest-free, or Monthly Payment of 3 to 24 months.
To use Afterpay, you need:
- Be a U.S. resident
- Be at least 18 years old
- Valid debit or credit card
- Meet Afterpay eligibility criteria
4 interest-free payments · Monthly Payment: 3-24 months
CHOOSE AFTERPAY AT CHECKOUT →
PayPal Credit
With PayPal Credit, enjoy special financing on $149+ purchases when paying with PayPal. Pay for hotels, flights and more everywhere Mastercard® is accepted.
To apply for PayPal Credit:
- Ser residente de Estados Unidos o territorios
- Be at least 18 years old
- Valid bank account or card
- Positive credit history
6 months interest-free on $149+ · Special financing
CHOOSE PAYPAL AT CHECKOUT →Monthly Financing
For higher-value pieces, we offer monthly payment plans from 3 to 36 months. Ideal for engagement rings, complete sets, and premium pieces.
- Affirm — 3 to 36 months, up to $30,000. Rate from 0% APR*
- PayPal Pay Monthly — 3 to 24 months, $49 to $10,000. Rate 9.99–35.99% APR*
- Klarna Financing — 6 to 24 months. Variable rate*
*Interest rates and approval depend on the buyer's credit history. Tu Joyita Miami does not set the rates — they are established by each platform.
How Does It Work?
1
Choose your jewelry
Browse our store and add the piece you love to your cart.
2
Select your plan
At checkout, choose the payment option you prefer.
3
Instant approval
The platform verifies your eligibility in seconds. No paperwork.
4
Receive your jewelry
Your jewelry ships instantly. Payments are managed with the platform.
Compare Options
| Platform | Type | Range | Interest |
|---|---|---|---|
| PayPal Pay in 4 | 4 installments / 6 wk | $30 – $1,500 | 0% |
| PayPal Monthly | Monthly 3-24 months | $49 – $10,000 | 9.99-35.99% APR |
| Affirm | 4 installments or up to 36 months | Up to $30,000 | From 0% APR |
| Klarna | 4 installments, 30 days, or monthly | Flexible | From 0% |
| Afterpay | 4 installments / 6 wk | Up to ~$4,000 | Always 0% |
FAQ
How do I apply for financing?
Simply add your jewelry to the cart and go to checkout. Select Affirm, Klarna or Afterpay as your payment method. The platform will guide you through the application process in seconds.
Do I need a credit card?
It depends on the platform. PayPal and Affirm accept bank accounts and debit cards. Klarna and Afterpay generally require a debit or credit card.
What is the difference between Affirm, Klarna and Afterpay?
Affirm: Ofrece planes de 3 a 36 meses con tasas desde 0% APR. Ideal para compras grandes. Klarna: Paga en 4 cuotas sin intereses o financiamiento mensual. Afterpay: Siempre 4 pagos sin intereses cada 2 semanas. Cada plataforma tiene sus propios criterios de aprobación.
Does it affect my credit score?
The initial check is a "soft" inquiry that does not affect your score. Only long-term monthly financing may involve a hard credit check.
What happens if I don't pay on time?
Policies vary by platform. Afterpay may charge late fees. Affirm and PayPal apply the rates agreed at the time of purchase. Your jewelry is already yours — payments are between you and the platform.
When do I receive my order?
Right away! Your jewelry ships immediately after financing approval. You don't need to wait to pay all installments.
Can I return a financed product?
Yes. Our return policy applies the same. The financing platform adjusts or cancels the remaining payments automatically.
Ready to buy? Choose your favorite piece and pay at your own pace.
Questions? Contact Us — we are here to help.