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Payment Plan

The Half Price Gold’s No Interest Payment Plan offers compelling financing options, giving you the flexibility to pay over time.*  Benefits of the payment plan include convenient payment options, no annual fee, and no credit check.

*To be eligible for the No Interest Payment Plan, minimum monthly payments are required.

No Interest Payment Plan Benefits

  • Exclusive financing offers that give you the ability to pay 50% of the purchase price, then the flexibility to pay off the remaining balance over a No Interest Payment Period of 7 years (84 months)
  • Special access to No Interest Payment Plan only offers and promotions
  • No annual fees
  • No Credit Checks
  • No Interest† if paid in full during the No Interest Payment Period
  • The ability to choose what payment option(s) you want to use during your No Interest Payment Period
  • Every item you purchase from Half Price Gold will have its own No Interest Payment Plan
  • Convenient Online account management via your Half Price Gold customer account
  • Monthly Due†† dates will correspond with the purchase date of your order

Payment Options:

You may choose any combination of the described payment options during your No Interest Payment Period of 7 years (84 months).

Minimum DueThe remaining balance divided by the total number of months of the No Interest Payment Period.  The Minimum Due amount will remain the same during the entire No Interest Payment Period, with the exclusion of you final payment.  Your final payment will include any additional payment that is less than $0.99.

Examples of how the minimum due is calculated:

Remaining Balance Months of Payment Plan Minimum Due
$500.00 84 months $5.95
$400.00 84 months $4.76
$300.00 84 months $3.57

Optional Minimum Due – 1/3 of the Minimum Due, but never less than $0.99.  The Optional Minimum Due amount will stay the same during the entire No Interest Payment Period and your account will remain in good standing when utilizing this option.  Utilizing only this option will NOT allow you to pay off your remaining balance during the No Interest Payment Period.

Examples of how the optional minimum due is calculated:

Remaining Balance Months of Payment Plan Minimum Due Optional Minimum Due
$500.00 84 months $5.95 $1.98
$400.00 84 months $4.76 $1.59
$300.00 84 months $3.57 $1.19

Double DownHalf Price Gold will match your payment of any amount greater than $0.99!  This option can be utilized up to two times per year.

Examples of how the double down payment works

Remaining Balance You Pay Half Price Gold Pays Your Total Payment
$500.00 $5.95 $5.95 $11.90
$400.00 $4.76 $4.76 $9.52
$300.00 $3.57 $3.57 $7.14

Other – You can choose the amount you want to pay.  Your payment must be a least $0.99.  Chossing less than your minimum due will NOT allow you to pay off your remaining balance during the No Interest Payment Period.

Examples of how the other payment works

Remaining Balance Minimum Due Optional Minimum Due *Other Payment Option
$500.00 $5.95 $1.98 Choose any amount that is greater than $0.99
$400.00 $4.76 $1.59 Choose any amount that is greater than $0.99
$300.00 $3.57 $1.19 Choose any amount that is greater than $0.99

*The other payment option can also be combined with the double down option up to two times per year.

Total Due – You can choose at anytime to pay off your remaining balance.

Terms & Conditions

† No interest will be applied during your payment period of 7 years (84 months) and nothing will be applied against your credit rating.  After the no interest payment period, or if you miss three consecutive monthly payments, a monthly interest charge of 17% will be applied to your remaining balance.  Your minimum payment will be 2% of your remaining balance each month, but never less than $0.99.  After the no interest payment period, you will be able to choose any combination of the following payment options: Total Due, Minimum Due, or Other (amount of your choosing).  When paying off your remaining balance after the no interest payment period nothing will be reported to the credit bureau.  You will only be reported to the credit bureau if your account is in a delinquent status.  Your account is considered to be in a delinquent status if you miss three consecutive monthly payments.

†† To stay in good standing, you will be required to pay at least the monthly Optional Minimum Due (during the no interest payment period) or Minimum Due (after the no interest payment period).   Half Price Gold will notify you via email if you miss a required monthly payment.  If you miss three consecutive monthly payments, Half Price Gold will notify you that your delinquent payments will be reported to the credit bureau.  If you miss three consecutive monthly payments during the No Interested payment period, Half Price Gold will notify you via email that you will begin to receive a monthly interest charge of 17% and that your delinquent payments will be reported to the credit bureau.

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