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.

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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!

Katie N.Katie N.

My stone came out of my engagement ring and I was so worried I wouldn't be able to find a jeweler still offering repairs during this COVID-19 crisis!... Read More

Melody K.Melody K.

If I could give Gems of La Costa a higher rating, I would. My fiancé and I had the best experience working with Steve and the whole team when creating my... Read More

Estee G.Estee G.

A fantastic resource for all types of beautiful, high quality jewelry! These are real artists who work in the back doing custom designs. They also... Read More

Laura MicallefLaura Micallef

I love my recent purchase from Gems of La Costa!! I feel in love with a pair of rare pearl earrings, and just had to buy them. I get tons of compliments when I wear them. Chad, the owner, is wonderful to work with and so is his staff. His store and selection of jewelry is stunning!

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Ryan LambRyan Lamb

Hands down, my favorite jeweler. I've bought several gifts here for my lady over the years. She has loved and been complimented by everything that's come out of this fine shop. Most recently, my fiancee and I showed up during the recent pandemic, as we were intending on a live webcast wedding and needed bands quickly. We were helped by Steve, who got us into just what we needed, and had it ready within days for the ceremony. Amazing products and service - I absolutely love it here.

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Melody KincaidMelody Kincaid

If I could give Gems of La Costa a higher rating, I would. My fiancé and I had the best experience working with Steve and the whole team when creating my dream engagement ring.

We originally went in there for my fiancé but ended up designing the most beautiful ring I have ever seen. Everything from picking the center stone, to designing the band size and design, I got to create the ring I have always wanted.

So here is a run down of my experience:

When first going in, they were not pushy like 99.9% of Jewelry store. They welcomed you, asked if you had any questions, and let you roam without feeling any type of pressure to buy. Most jewelry stores I went too, I felt like I was being watched like a hawk and not able to really enjoy looking at what they had to offer. Gems of La Costa made me feel welcomed and gave me to freedom to look around without feel pressure to buy.

We then asked Steve (literally the MVP/best jeweler ever) for help with my fiancé and his ring size. He went above and beyond, making sure we tried EVERY option he had so we knew what size and width he would like.

Me being the person I am, I asked to try on a few rings for myself. I asked if he had different sizes/ shape diamonds for me to try on, just to see what I liked best on my hand. Steve came through once again and had every type of diamond shape and size for me to see. He spent so much time with us, answering any question I had. I tried on so many different ones and he was so patient with me. I truly felt like he cared and wanted to make sure I knew what I liked.

Again, not know how this whole thing works, I found out that jewelry store work with specific companies who sell diamonds separate from the ring and you order the diamond through that company. So Steve went on the website and gave us different options in different price ranges and told us which ever ones we were interested in, let him know and he will order them for me to try on. We ordered a couple and when they came in we went in to try them on and I found the PERFECT one.

He then explained to us how we could either customize my ring there or order and band and head that they would weld together. We chose to customize it and it was the best decision we ever made. Not only was it exciting because the idea of creating my own ring that no one will have is amazing. But the process was something I had never heard of before. They have specific technology at their store where they create a 3D rendering of what your ring will look like and print it using a 3D printer, then you can see what it’s going to look like before they create the actual ring.

Ewa, the one who you work with during this process, was the best! I wrote her so many emails, sent her so many pictures, and she was so kind and patient, making sure I got exactly what I wanted. She is a master of her craft, and I wouldn’t have wanted anyone else to create my ring. She is a GEM!

When I went in there to see the 3D rendering, I was blown away! It was everything I had wanted and more!!

From there, it was in Steve and my fiancé’s hands! They created my dream ring and when I finally saw the final product, it was better than I ever expected. They literally took the vision I had in my head and made it come to life.

While I didn’t work with them directly, Chad and the rest of the team were incredible as well. Not only is he one of the best in his field (I’m not kidding, he’s won so many awards and been honored for his work) he had the years of experience that make you feel confident that he is going to give you what you want. Everyone in that store is so invested in giving you your dream piece of jewelry and they will go above and beyond to do so.

I could not recommend Gems of La Costa more. There is no other jeweler I will put my trust into, and I won’t be going or recommending any other jeweler.

Thank you so much Steve, Ewa, Chad, and the whole team for being the absolute best, and making this experience one I will never forget!!

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