Do i have to pay the layaway off first before i get my chain

If you buy an item through "layaway" that means you get it once it's paid in full.

I just seen something that says no credit check. I know my payments come directly out my account and I never seen anything on my credit for it

I think you do have to payoff the chain before they will ship it to you. However if you have a PayPal credit account they accept it as a payment method. You can get the chain and PayPal credit will give you 6 months to pay off your purchase without charging interest as long as the balance is paid in full within the 6 month period.

I believe so, but if u finance through Affirm u get the chain after u make the first payment. I liked Affirm, low interest and easy to make payments. U do have to have credit approved.