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!

Cameron Javier

Great staff, quality and pricing! Rhonda was especially helpful and kind, not pushy at all! My brother and sister in law got their rings here as well, and I would recommend everyone to check Gems of La Costa out before making any big jewelry purchase!

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.

Ciera Wornham

Gems of La Costa did a fabulous job fixing my wedding and engagement ring. My engagement ring had a tiny missing diamond on the band and where that missing diamond was, the band had slightly snapped as well. They were able to repair it perfectly in addition to soldering the 2 rings together. I am in love with my ring all over again! Looks brand new. I also purchased another band and Rhonda helped me choose the perfect band. She was so patient and kind, offering lots of options and feedback. I went in thinking I wanted the same band I had already but she helped me choose something that was different— something very unique, beautiful, and within my price range. I am so glad Gems of La Costa is near because they will be the place I go to for all my jewelry needs. Highly recommend!

Austin Morales

I came here in search of an engagement ring and had an incredible experience. Rhonda was extremely helpful throughout the whole process. She was very thorough in answering all of my questions and guiding me through the process of selecting the perfect ring. I also came here on a time crunch and she went out of her way to make sure the ring was ready by the time I needed. I couldn’t be happier with my experience here!

Matt Cram

Rhonda and Peter absolutely took care of me when I was shopping for my engagement ring. True professionals, great customer service, really appreciated their diligence. Don't waste your time shopping around, go straight to gems of la costa.