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!

Susan B.Susan B.

I have been going to Oceanside Jewelers for many years for repairs on my rings and other jewelry needs. Recently, I went through my old gold jewelry and... Read More

Carise B.Carise B.

We love gems of La costa! I have been using this jeweler since I got engaged in 2017! They are so helpful and have beautiful jewelry. Rhonda and Chad are... Read More

Gary H.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

Caitlin O'FarrellCaitlin O'Farrell

We had a great experience at Gems of La Costa! Rhonda helped us through the whole process of creating my engagement ring and it turned out so beautiful. She also sent us with a little bling for our puppy, Murphy. We are so glad that we found them and will go back for any adjustments, cleanings, or future purchases we might make.

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Janene Possell ShepherdJanene Possell Shepherd

Gems of La Costa - what a fabulous experience. We took in our decades wedding rings that were now way too small, and despite an intricate weaving of three different colors of gold, they managed to fix them along with a handful of broken earrings I also had, all for reasonable cost. Their jewelry and repair work is exquisite but the staff uncomparable.

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Mary AmiraultMary Amirault

Rhonda helped me create the perfect engagement ring. From the moment I entered the store, she made me feel comfortable and helped make the experience fun. Janja's input on design and setting was invaluable as well. I can't stop looking at my hand- it's so sparkly! Highly, highly recommend.

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