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 jewelry financing
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

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.

6

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.

12

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!

Savannah E.Savannah E.

I love to come in and have Rhonda clean all my jewelry. She is always the one working the room offering people water, candy and ring cleaning. She's... Read More

Annie P.Annie P.

Steve, Rhonda and Chad went above and beyond to help us design a custom engagement ring. Their artisanship is spectacular, and their customer service could... Read More

Miyako B.Miyako B.

I walked into Gems of La Costa today because I wanted to get my rings and earrings cleaned for my big wedding day on Saturday. As soon as I walked in, I was... Read More

Regina HRegina H

Rhonda and Peter are terrific. I brought a small but sentimental piece to Gems of La Costa and they were extraordinarily patient with my selectiveness. This was a very small project and yet Rhonda and Peter both treated my personal concerns about my very old religious medal as though it was just as important as any other major purchase in the store. They were extraordinarily respectful and gave me all the time I needed on a number of visits to get my project just right. Rhonda and Peter you did a great job and I look forward to working with you in the future!

Read More
Jennifer NeelsenJennifer Neelsen

I went into Gems of La Costa to have the clasp on my bracelet repaired and to have my wedding rings cleaned. Rhonda was super helpful- she had the rings done in minutes and was professional and friendly the whole time. Peter fixed my bracelet in minutes (I thought it would take days) and they didnt charge me for any of their services. Great experience from the neighborhood jeweler.

Read More
Dennis PennDennis Penn

Rhonda Bell is a super customer service
person with a vast knowledge of all the aspects of all kinds of diamonds as well
as jewelry in general. We are so lucky to have her and Gems of La Costa which is
an excellent neighborhood jewelry store.
Best to All
Dennis F Penn DMD

Read More