Frequently asked questions

Q. I’m active duty military but I have poor credit history – will I still get approved?

A. Military Jewelry Loans gets 98% of our applicants approved with no money down! Bad credit is ok! Military Jewelry Loans works with a number of different lenders to ensure that we have a lender that meets your needs and can get your loan approved easily! Since most of our applicants are active duty military members, we are able to approve the loan based on the time in service and a monthly payment that fits nicely into your budget. We understand that people go through financial hardships and we work with the best military lenders in the industry to ensure that we can get you approved online for your military jewelry loan. Call us toll free at 866-715-0811 or apply online by clicking here.

 

Q. Will I have to make a down payment?

A. Military Jewelry Loans can get your jewelry loan approved with no down payment! We work with multiple lenders in the military finance industry. Our dedicated credit department will review your account and the purchase price needed and work with our lenders to get your loan covered 100% with no down payment. Military Jewelry Loans also offers a down payment protection program put in place to ensure that we can get your entire purchase financed. Apply now or call us toll free at 866-715-0811.

 

Q. Can I pay my military jewelry loan off early?

A. Military Jewelry Loans is very selective in choosing our military finance companies. All of our military lenders allow you to pay your loan off early without incurring any penalties or fees, in fact they will refund the remaining interest that you saved yourself from by paying it off early. Military Jewelry Loans likes to keep your payments low & affordable, while allowing you to have the ability to pay your loan off early. Apply now to get your military jewelry loan online and one of our friendly account consultants will call you shortly!

 

Q. Is there any penalty to pay my military jewelry loan off early?

A. Military Jewelry Loans has selected the most recognized military loan lenders in the industry. All of our military lenders allow you to pay your loan off early without incurring any penalties or fees, in fact they will refund the remaining interest that you saved yourself from by paying it off early.

 

Q. When is my first payment due on my loan?

A. The first payment due date varies on the military lender that is used to finance your loan. Most of our clients prefer to set military allotments as the method of repayment on their military loan. Mypay will notify you when the allotment will reflect in your pay. All of our lenders are fully aware of mypay and that your first payment may not post until the following month. Your account consultant can tell you the first payment date associated with your loan at the time of the sale. If you’re planning on setting an allotment, Mypay will notify you of the date the allotment will reflect your pay.

 

Q. When will I receive my order?

A. We will ship your order to the address you request once you have reviewed and signed your electronic loan documents online. Standard shipping takes 3-10 business days. Military Jewelry Loans offers expedited shipping and can offer overnight and two-day delivery. Expected delivery on engraved/personalized items can take between 7-14 business days. Once your order ships out we will send you an email with a tracking number for proof of delivery.

 

Q. What name brand jewelry does Military Jewelry Loans carry?

A. Military Jewelry Loans carries the most respected brands of jewelry. Our vast selection of brands include some of the following: David Yurman, Citizens Watches, Movado, Orient, Invicta, Omega, Seiko, Bulova, Charles Garnier, ArtCarved, Forever Mark, Le Vian, Michael Kors, Scott Kay, Slane, Swarovski, Tacori, The Fifth Season, & Hearts on Fire.

 

Q. Can I customize a piece of jewelry with Military Jewelry Loans?

A. Military Jewelry Loans offers engraving on most of our items and we have the ability to special order settings and customized rings.

 

Q. How long does it take to get an answer on your military jewelry loan application?

A. Military Jewelry Loans can get your online military loan application approved in as little as two minutes. We strive to have your loan complete in the same day! We can have your buy now pay later order complete in as little as one hour! We strive to be the quickest online military loan company on the market.Apply now or call us toll free at 866-715-0811 and one of our friendly account consultants will help get your online military loan complete today!

 

Q. Why do you need a copy of my LES or paycheck stub?

A. Military Jewelry Loans work with the best lenders to get your loan approved with no down payment! We can get almost everyone approved as long as you have sufficient time remaining in the service. Our military lenders base the approval on your rank, ETS/EAS date, and making sure your low payment fits nicely in your budget. Since our lenders primarily base the approval of your loan on your rank and ETS date, they require proof that all of the information you provided on your easy online military loan application is correct. To finalize the approval and quickly complete your order, the lender does request a copy of your end of month LES to verify all of the information submitted on your approved loan application.

 

Q. Where do I send a copy of my most recent end of month LES?

A. The easiest way to send us a copy of your most recent end of month les to sales@militaryjewelryloans.com or by faxing a copy of your LES to 252-633-3504. Here are some easy steps to follow, which will allow you to upload the LES to an email without needing a printer or fax:

1. Log into www.mypay.gov

2. Select leave and earning statement

3. Select your most recent end of month LES.

4. Once your most recent end of month LES is on the screen go to file and select “Save As”.

5. Save the LES to your desktop of your computer and name it your last name and the word LES.

6. Open your email and compose a new email message.

7. Address the email to sales@militaryjewelryloans.com.

8. Make the subject line: “your name LES”

9. Click “add attachment”

10. Select the file from your desktop and attach the LES to your message. If you have any allotments on your LES, be sure to explain who they pay to and the balance of those accounts in the body of your email message.

11. Hit send and call us at 866-715-0811 to complete your buy now pay later jewelry loan!

 

Q. Are all of your fine metals, such as gold, silver, white gold, & platinum marked?

A. Military Jewelry Loans only carries high quality jewelry and all of it will be marked appropriately for the type of fine metal. For example: 24k gold ring would have a stamp on the inside of the ring band or on the clasp of the necklace which would say “24k”. Sterling silver is marked with either “sterling silver” or “.925”. You can purchase with confidence that all of our jewelry is real and meets all specifications listed on the item description.

 

Q. Will I get an appraisal on my purchase?

A. Generally our larger purchases for engagement rings or other high end diamonds will come with a complimentary appraisal. Most of our clients choose to have their high-end purchases insured through their home owners insurance or other kinds of property insurance. Insurance companies generally require a receipt or a valid appraisal that is less than one year old. If you would like to have an appraisal on a smaller purchase, we can provide one for you for an additional charge, or you can have it done at your local jewelry store.