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!

jc c.jc c.

Very kind and knowledgeable staff with a fantastic collection of contemporary pieces. I would highly recommend. During covid precautions, the staff are... Read More

Ciao A.Ciao A.

Gems of La Costa exceeded my expectations on a pendant I had them create from an engagement ring. From concept to delivery, they were thorough with... Read More

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

Phil gianniniPhil giannini

I had Gems of La Costa design a setting for my Tourmaline. They created a perfect piece of jewelry that reflected my wish to showcase the stone. The cost was truly competitive. The diamonds they used were beautiful. They had a vast inventory of gems to augment the Tourmaline. The staff was extremely helpful without being pushy. They sought my approval on every step of the project. I will definitely go back to them to design and set other pieces. I was also impressed with their selection of finished jewelry.

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Susan LangSusan Lang

I purchased a stunning blue diamond from Gems of La Costa. Then they were able to help me bring my vision to reality in the creation of a jaw-dropping ring to showcase the stone. Ewa was amazing taking me through each design details and rendering the ring in CAD. And Peter's bench work was absolute perfection - along with his design input. Chad and Steve were nice enough to allow me to drag them into the process, as well. I've hardly taken my new ring off since its dramatic unveiling. And I've already purchased another diamond from them and finalized details for another customer piece - a pendant this time. They have a life-long fan and customer!

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Monica Laflin-SmithMonica Laflin-Smith

Gems of La Costa worked with me closely to custom design a gorgeous and very special pendant for me and my 2 sisters. They used sapphires from 2 pins that were from our mother. We think of each other across the miles and our mother every time we touch or look in the mirror and see our pendants.
Thank you Gems of La Costa. I have gone there for many years for repairs and always felt they did a fantastic job!

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