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!

Ursula B.Ursula B.

I'd like to give a rave review for the customer service provided to a resident here at the SNF in Carlsbad By The Sea Care Center. Our resident wasn't able... Read More

Naomi V.Naomi V.

I had a broken gold hoop earring and they did a very good job fixing it. I would recommend anyone to come here to fix their jewelry. The place is a very... Read More

J. W.J. W.

I was recommended to this establishment by my neighbor and I can't thank him enough! I'm glad we have a great Jeweler in our community!

My fiancée and I needed to get her ring sized down. We originally thought by only 1 size but found out it needed to go 1.5 down. We were hesitant as we've done research prior and thought the ring could only be sized up/down by 1 max. Steve was super helpful and knowledgable giving us confidence that by going down 1.5 will make it a perfect fit.

They have 4 goldsmiths working here, so you don't need to worry about getting your ring shipped somewhere else to get it fixed. This is what we were hoping for as well.

What supposed to have been a week to get the ring taken care of ended up just taking one day!! The ring came back flawless and fit perfectly!

Great experience during the whole process, highly recommend to everyone here in North County!

*We also were able to get the ring appraised*

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JasonJason

My fiancée and I visited Gems of La Costa while searching for an engagement ring because of the good Yelp reviews. We certainly weren't let down. We visited several local and corporate jewelers during our search. Not a single one even closely compared to the level of service Gems of La Costa provided.

Before we even declared our intent to purchase through GoLC, they went above and beyond in educating us about diamond selection, teaching us how to inspect diamonds, and then ordering several diamonds so that we could see the differences between them. It's funny looking back now on how we thought we knew all about diamonds and what we wanted because of everything we had Googled. They showed us that we were pretty mistaken and had the patience to enlighten us about diamonds in general and then hold our hand through the process of finding the one best for us.

We honestly ended up with the most stunning diamond we could possibly get for our price range. My fiancée is beyond happy. It can be a frightening experience because you're buying something that she is going to have FOREVER, so I'm just thrilled that she loves it and is proud to wear it and show it off. I really have Peter and GoLC to thank for that.

After diamond selection, we had a ring custom made at GoLC as well. After providing some ideas of what we liked from Pinterest and such, they created photoshopped images of what the diamond would look like in those settings (they actually use a lot of technology in the whole customization process, it's pretty impressive). Peter, one of the associates as GoLC, then went ahead with the design work. At this point, my fiancée was completely in the dark about how the ring would turn out, and so was I, we left it up to Peter.

The result was absolutely magnificent. Well crafted, sturdy (we got a fairly large diamond and it's seated very well) yet elegant. Peter did amazing work and we would honestly recommend him to anyone looking for a custom engagement ring.

Overall, the entire experience with Peter, and Gems of La Costa was 5 star. The customer service, the purchasing process, and the resulting product are all exceptional. We will be using GoLC for our bands and any future jewelry work. We are seriously that happy with our experience and would recommend Gems

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Lorraine MelendezLorraine Melendez

Our first purchase at Gems of La Costa was at Christmas! The service Chad gave us was exceptional with a variety of beautiful sparkling rings to choose from. The quality of gems and the personal service I received was greatly appreciated and a lot of fun. We are very fortunate to have such a quality jeweler here in Carlsbad. Thank you.

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Stephanie CaballeroStephanie Caballero

The service and attention to detail is amazing! I worked with Samantha to re-design my wedding ring for my 25th wedding anniversary and I couldn't be happier with the result. They are skilled and wonderful to work with.

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