Engagement Ring and Jewelry Financing

Suddenly it’s time. You’re ready to pop the question, but want to give her the ring of her dreams. Let us help you make that happen with affordable monthly payment plans. With our engagement ring financing, there’s no need to delay or settle for less. Our jewelry store has spent over 30 years helping our clients choose the perfect engagement ring and offering real value. If you’re under 30 or otherwise haven’t established solid credit, buying an engagement ring on credit can be difficult if not impossible. Our zero% interest engagement ring payment plans give you the opportunity to choose the perfect ring. Our jewelry financing options are also available for all other jewelry including gemstone rings, diamond pendants and bracelets and more.

Easy In-Store Application

Fill out a short application. Get approved within minutes.

Transparent Terms

0% APR financing for 6 or 12 month.

Secure Online Payments

Make secure monthly payments with Synchrony.

Our Zero % APR Financing and Payment Plans

Our easy jewelry financing options include a “buy now – pay later” engagement ring payment plan. You can purchase an engagement ring on credit without the limits and interest of a credit card. Our engagement ring payment plans:

6- or 12-month no-interest
no annual fees
no pre-payment penalty
convenient monthly payments (online, phone or check)
easy jewelry financing
- simple credit application
- instant decision in-store

Jewelry Financing

Likewise, our selection of wedding rings includes settings in gold, silver and platinum. Our easy jewelry financing also applies to our full gemstone and diamond jewelry line for those extra-special occasions, such as anniversaries, special occasions, everyday jewelry purchases and more.

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No Interest if paid in full within 6 months (with regular monthly payments)

Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period.*
* No interest will be charged on the promo purchase if you pay the promo purchase amount in full within 6 months. If you do not, interest will be assessed on the promo purchase from the purchase date. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional balance. For new accounts: Purchase APR is 29.99%; Minimum Interest Charge is $2. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.

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No Interest if paid in full within 12 months (with regular monthly payments)

Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period.*
* No interest will be charged on the promo purchase if you pay the promo purchase amount in full within 12 months. If you do not, interest will be assessed on the promo purchase from the purchase date. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional balance. For new accounts: Purchase APR is 29.99%; Minimum Interest Charge is $2. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.

Frequently Asked Questions

Can I finance an engagement ring?

Yes, you can finance your engagement ring with our easy in-store application through Synchrony Financial.

Is the financing really interest-free?

Our financing is interest-free for either a 6 or 12-month promotional period. Interest is only charged if the balance is not paid in full by the end of the promotional period. (Credit Card balance transferable to avoid interest after promotional term.)

Can I still finance my jewelry if I have no credit history?

You can still apply for a loan if you have no credit or bad credit if you bring in a co-signer.

How do I apply?

Please, visit our store and fill out our quick application form. Approval usually happens within minutes.

What do I need to apply?

A valid driver’s license or personal identification and your social security number for the credit check.

Reputation Matters!

Tara Padhi

I could not recommend Gems of La Costa enough! My pieces always come back better than I brought them and the pricing is on point. They were under renovation and I took my Tiffany ring to another shop and it got ruined. Gems of La Costa fixed it and I am so happy. Rhonda is the best!!! She remembered I had a puppy and gave me a cute little necklace for him. You won’t regret.

Susan Hart

I recently had a very enjoyable experience at Gems of La Costa. Chad Elliot assisted me with a jewelry project I had been working on for years and I was very happy with the outcome. He was professional, knowledgeable, and very patient. Five Stars for Gems of La Costa and thank you Chad!

Tamara Weinstein

My husband and I popped into Gems of La Costa to inquire about a bracelet repair. Rhonda could not have been more nice! Peter fixed the latch on the bracelet at no cost to us. We were shocked! Gems of La Costa has awesome customer service! They have beautiful jewelry too! Thank you, Gems of La Costa!

Caitlin O'Farrell

We had a great experience at Gems of La Costa! Rhonda helped us through the whole process of creating my engagement ring and it turned out so beautiful. She also sent us with a little bling for our puppy, Murphy. We are so glad that we found them and will go back for any adjustments, cleanings, or future purchases we might make.