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 In-Store Application
Transparent Terms
Secure Online Payments
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
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.
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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!
Nicole K.
I popped in to Gems of La Costa today just to browse after picking up food next door. The store was clean & upscale with an immediate air of legitimacy.... Read More
Penny P.I took my sapphire and diamond earrings to screw backs out on them. Not only did they do a really nice job, but they did it very quickly as well. Also,... Read More
Tracy F.I've been wanting to find a local jeweler for a long time and luckily found Gems of La Costa (in Vons Shopping Center). I walked in and was welcomed by... Read More
Dana
What a pleasure at Gems of La Costa! We enjoyed our early Christmas shopping. Beautiful jewelry! The staff is wonderful - patient, knowledgeable, kind and fun. I appreciated their straight forward answers to my basic questions. Lots of good learning. Also cleaned my wedding ring and identified important repairs to protect my diamond which was also greatly appreciated.
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Susanne KlausenstockAfter hearing many recommendations, I brought my wedding ring to Chad at Gems of La Costa. I wanted a new ring that closely mimicked my old beloved band - all I can say is wow! It was difficult because of its uniqueness, he did a wonderful job, it's stunning.
Thanks Chad!
Jill JohnsonAnother amazing experience at Gems of La Costa today. Have been coming here with my wife for about 10 years now. They have done a wonderful job fixing the wife's wedding ring, they have a great selection of jewelry including Rolex, and they have been a tremendous help guiding me on what to do with some jewelry we inherited. Today (feb 21,) Rhonda Bell went above and beyond for me. I need my wedding ring resized and needed a few pieces tested along with a few other things and I was blown away by her service and expertise. Thank you soo much Ms. Bell! If your looking for honest reputable jewelers, look no further. Gems of La Costa has you covered.
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