FOUR PAY POLICY
What is Four Pay?
Starting or expanding your coin collection with LCR Coin just got easier, with our Four Monthly Payments. Four Monthly Payments is LCR Coin's payment program that lets you spread the cost of your purchase over four equal payments at no additional charge. Approval of a Four Pay purchase is subject to credit approval as determined by your credit card provider and by the approval and discretion of LCR Coin. LCR Coin agrees that we will not charge you any additional interest or fees for your purchase using our Four Pay Monthly Payment option. Our Four Pay Payment Plan is available to US customers who are of legal age in their state of residence.
How do I know what products are eligible for Four Pay?
When you're shopping online, you'll see a Four Monthly Payments option appear on the Checkout Page for purchases of $1,500 or more. This excludes all Bullion items, Make an Offers and Coupons. Any order that check out using our Four Pay method from an accepted offer or uses a coupon, your order will be canceled. LCR Coin reserves the right to cancel any order for any reason at anytime. See our Terms and Conditions.
The amount of the installments on a Four Monthly Payments purchase will be calculated as follows: The product price will be divided by four monthly installments and you will be charged in 25% increments. Shipping and handling are always included unless you choose expedited shipping.
When are my installments due?
By choosing to use Four Monthly Payments, you authorize LCR Coin to charge your credit card 25% of the total amount due at the time of purchase. The remaining additional installment(s) will be charged every 30 days thereafter, without additional advance notice to you, until the price of the Item is paid in full. You are solely responsible for your monthly payments and allocating appropriate funds. If a payment is missed regardless of the reason, you will need to make up the payment missed, even if your next payment is due. If you cannot make up the missed payment and or payment due, your order will be canceled, unless otherwise agreed upon.
What methods of payment can I use to purchase Split Pay items?
The following methods of payment can be used for Four Monthly Payments purchases: Visa, MasterCard, American Express, and Discover Card. If you would like to use PayPal please contact us at 800-830-5578 or firstname.lastname@example.org and we can set up reoccurring invoices through PayPal that will invoice you monthly until you are paid in full.
Can I use Four Pay for any coins and how many orders can I have using Four Pays?
You can use Four Pay on all Certified and Rare Coins valued over $1,500. You can not use Four Pay on any bullion products regardless of value. You are allowed one Four Pay order and will not be allowed a 2nd until you have paid your first order in full. Customers with good standing payment history may have more than one order using split pay, but will be subject to approval.
Can I use Four Pay on an existing order?
To use Four Monthly Payments installments on an eligible item, you must choose to participate at the time you order. Unfortunately, we can't apply the Four Monthly Payments option after an order has been placed.
When do my item(s) Ship?
Your item(s) will ship on the day your final payment is received. Your tracking number will be uploaded into your account and you will be notified via email. For existing customers in good standing, we will make arrangements for sooner shipping.
What if I need to cancel my order or I default on my payments?
If you need to cancel your payment plan or default in your payments, you will be refunded less a 20% restocking fee. If you cancel within the first 7 days of your first payment, no restocking fee will be applied.
Choose Make Four Monthly Payments At Checkout
At Step 4 (Payment) in the checkout process select Four Monthly Payments: