Pay for their diamond
a little at a time.

Choose Splitit if you have available credit for the full amount on a Visa or Mastercard and want to be finished within 12 months. There is no credit check and no interest from Eterneva or Splitit. Choose Affirm if you would rather not reserve the full amount on your card, or if you want a longer term. Affirm shows you the exact monthly amount, rate, and total before you agree, and checking eligibility does not affect your credit score. If you are unsure, your guide can walk through both with you.

Splitit is an installment payment service that uses the available credit on your existing credit card instead of issuing a new loan. There is no application, no credit check, and no new account, so there is no impact on your credit score. You are charged one installment at a time while the remaining balance is held on your card.

Affirm is a pay-over-time service used by many well-known brands. It offers a monthly payment plan with a rate and term set at the time you apply, from 0% to 36% APR based on credit. Affirm charges no late fees and no hidden fees, and you see the total cost before you accept. Payment options through Affirm are subject to an eligibility check and are provided by Affirm's lending partners.

With Splitit, no. Splitit does not run a credit check, open a new credit line, or report installments to credit bureaus. With Affirm, checking whether you prequalify is a soft inquiry and does not affect your credit score. If you go on to accept an Affirm plan, Affirm may report the loan and your payment history to credit bureaus, the same as most lenders.

Select any "See if you prequalify" button on this page. Affirm asks for a few details and gives you a decision in minutes, including how much you could finance and an estimate of your terms. It is a soft check that does not affect your credit score, and it does not commit you to anything. Your prequalified amount is valid for a limited time, and you can use it on the checkout link your guide sends.

With Splitit, you can pay in full or split into up to 12 monthly installments. With Affirm, available terms depend on your purchase amount and eligibility and are shown when you prequalify and again at checkout. The price of the diamond stays the same regardless of the schedule you choose.

With Splitit, Eterneva and Splitit charge no interest and no installment fees. Your credit card's standard terms still apply, so carrying a balance on the card may accrue interest from your card issuer. With Affirm, your rate is between 0% and 36% APR based on credit, and it is shown to you before you accept. Affirm charges no late fees, no prepayment fees, and no hidden fees.

Eterneva memorial diamonds start at $3,499. With Splitit, that is about $292 per month over 12 installments with no interest. With Affirm, your monthly amount depends on the rate and term you are offered, and the estimate above updates as you move the slider. Larger and colored diamonds range higher. During your free consultation, your guide shows you exact pricing and a monthly breakdown for the diamond you are envisioning.

At checkout, Splitit places a hold for the remaining balance on your credit card and charges only your first installment. Each month, the next installment is charged automatically and the hold adjusts down. You need available credit on your card for the full amount, but you are only ever charged one installment at a time.

Splitit accepts Visa and Mastercard credit cards. Debit and prepaid cards generally are not eligible because Splitit works by reserving available credit. If you do not have room on a card for the full amount, Affirm may be the better fit, or your guide can walk you through other options.

Affirm sometimes offers a plan with a down payment due today and the remainder financed. If that does not work for you, Splitit is available on an existing card, and your guide can talk through diamond sizes and settings that fit your budget. Nothing is decided until you are comfortable.

Your Eterneva guide sends you a secure checkout link by email or text. On that link you choose Splitit, Affirm, or pay in full by card or bank transfer. If you prefer wire or check, your guide sends instructions and confirms receipt before the journey begins. You never have to enter financial details in a form alone.

Yes, with either option. Splitit lets you pay the remaining balance at any time with no penalty, which releases the hold on your card sooner. Affirm has no prepayment fee, and if your plan carries interest, paying early reduces the total interest you pay.

Your first payment is made when you place your order, and payments continue monthly while we create the diamond. Because the journey takes several months, many families find that installments align naturally with the process. The diamond is often complete or nearly complete when payments finish.

Eterneva's care team works with you directly on any order changes, and refunds follow our standard policy regardless of payment method. On a Splitit order, remaining installments are cancelled and the hold on your card is released. On an Affirm order, the refund goes back through Affirm, which adjusts or cancels your remaining payments under its refund policy. Your guide handles the details so you do not have to.

Yes. Splitit is a PCI-certified payment platform used by merchants worldwide, and Affirm is a regulated US financial services company. Your card and personal details are processed securely by them, and Eterneva never stores your full card number. Combined with Eterneva's tracked, documented process for every diamond journey, you can feel confident from first payment to final delivery.