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!

Gary H.

Super impressed with this place which is why I keep coming back.

We were getting a cross for my son who worked hard for it. Rhoda took really good care of... Read More

Lesley ..

I had a horribly swollen finger with 2 rings stuck. I went to urgent care who couldn't help. Tried everything including the dental floss trick. My next stop... Read More

Kim A.

So grateful to Gems of La Costa! Rhonda was so kind and a terrific help. I had a diamond engagement ring resized, diamond stud earrings reset, and a watch... Read More

Michelle Knaier

This family-owned store has a wonderful selection of jewelry and offers services such as appraisals and ring sizing-- just what I was looking for. I worked with Rhonda, who was a delight and lots of fun. She traded in some gold and silver, special-ordered some pearls, guided me in purchasing a diamond band for my 30th wedding anniversary. They are my new go-to jewelers.

Linette Williamson, MD, BSChE

We took my wedding rings to be repaired at Gems of La Costa. This was our first vist with Gems of La Costa. The service was impeccable and the cost was very reasonable. My husband Steven also needed to replace his wedding ring. Rhonda was very informative, she spent time with us while we made decisions. Rhonda gave our dog Tiger a bonus necklace. We had a wonderful experience at Gems of La Costa. We feel fortunate to have found them.

Ryan Marlowe

One of the links had broken off of a rosary that a dear friend of mine gave to me. I remember the feeling of my heart sinking when it happened. I've lived in La Costa for all of my life, and have passed Gems of La Costa many a' time. Not only were they very kind, but they fixed the rosary within a matter of minutes. Special shout out to Ronda for being so sweet! Based on the treatment that I received, I would recommend this jeweler to anyone.