Holiday Layaway

A layaway is a way to buy something over time without borrowing. You choose the piece, put a deposit down, and we hold it for you while you make payments. There is no loan, no interest and no credit check, because you are not borrowing money — you are paying toward something we are holding for you.

The piece stays with us until it is paid in full. Once the last payment clears, it is yours to take home.

Our standard layaway deposit is 20% of the purchase price. Through the holiday season we are taking 10% down instead, so a $2,500 piece starts at $250 rather than $500.

The holiday deposit is available on agreements opened through December 1, 2026.

With Affirm and Shop Pay you take the piece home right away and pay a lender back over time. That is financing — it involves a credit check, and depending on the plan, interest.

Layaway is the opposite arrangement. There is no lender, no credit check and no interest. We hold the piece and you pay us directly.

Both are available. Which one fits depends on whether you would rather have it now or would rather not borrow.

Yes. The piece has to be paid in full before it leaves the store. That is what layaway is — we hold it, you pay it down, and it goes home with you at the end.

This is the part people are most often surprised by, so we say it plainly up front: reserving is not the same as taking it home.

December 16 for anything needing sizing, engraving or setting. That gives us the week we need to finish the work properly and have it boxed before the holiday.

If the piece needs nothing done to it, you can pay it off any time up to December 23, our last pickup day before Christmas.

Payments are due every 30 days. There is no interest, no finance charge, and no handling, processing or storage fee.

If you decide not to continue, the piece goes back into inventory and your payments are converted to store credit, good on anything we sell.

If we are ever unable to deliver a piece you have paid toward — it is damaged, or becomes unavailable — you get your money refunded.

Most of what is in the cases: engagement rings, diamond studs, tennis bracelets, chains, watches and estate pieces.

Layaway is not available on special orders, custom pieces, or repairs. If you have a custom project in mind, come talk to us anyway, there are other ways to structure it.

Any time, in any amount, with no penalty. Plenty of people put a little extra down after a good month and finish in October. You can pay in the store, or call us at (209) 529-2110 and we will take it over the phone.

Yes. Book a virtual appointment and we will show you pieces over video. If you find the one, we can start the layaway on the call.

You can. Most people doing multiple gifts keep them on one agreement so there is a single payment to remember. Tell us who each piece is for and we will box them separately.