Jewelry, on Your Terms
Whether you're looking to invest in a timeless piece or surprise a loved one with a sparkling gift, we have you covered. Explore flexible financing options in-store and online.
6 Months, Interest‑Free
Visit us in-store and apply for financing through Synchrony Bank in minutes. Take home the piece you love today and pay nothing in interest — as long as your balance is cleared within 6 months.
Ask Us In-StoreNo Interest
for 6 Months
Apply in-store in minutes. Take your piece home the same day — pay nothing in interest if your balance is paid in full within 6 months.
Financing provided by Synchrony Bank. Subject to credit approval.
Flexible In-Store Layaway
Our layaway program lets you reserve any in-store piece and pay it off over up to 6 months — with no interest. The item stays with us until it's fully paid, then it's yours.
Start a LayawayChoose Your Piece
Select any item from our in-store collection and set it aside with a deposit.
Make Payments Over 6 Months
No interest, no fees — just regular payments every 30 days.
Pick It Up When Paid
Once your balance is paid in full, your piece is yours to take home.
Important to Know
If the balance is not paid within 6 months, the item returns to the floor. All payments made will be held as in-store credit.
Shop Online, Pay Over Time
When shopping our online collection, choose from Affirm or Shop Pay Installments at checkout. Terms, interest rates, and payment lengths depend on your individual application.
Affirm
Split your purchase into monthly payments. Check your rate at checkout — rates and terms are based on your individual credit profile.
Shop Pay
Pay in installments with Shop Pay. Select it at checkout and manage your payments easily through the Shop app.
Common Questions
Have more questions about our financing options? Give us a call or stop by the store. We're happy to walk you through everything.
Mon – Fri 10am – 5:30pm · Sat 10am – 5pm · Sun Closed
1700 McHenry Ave, Ste 27, Modesto, CA
Applications are done in-store as part of your purchase process. It only takes a few minutes, and approval is often same day. Just come in and our team will walk you through it.
If the full balance is not paid within the promotional 6-month period, standard interest through Synchrony Bank will apply to the remaining balance. We always recommend paying it off within the term to take full advantage of the interest-free offer.
Absolutely. You can pick up your layaway item as soon as the balance is paid in full — there's no minimum waiting period. The 6 months is simply the maximum allowed timeframe.
If the balance is not paid within 6 months, the item goes back on the floor and all payments you've made are held as in-store credit on your account. That credit can be applied to any future purchase.
Affirm and Shop Pay Installments are available exclusively through our online store at checkout. For in-store purchases, we offer Synchrony financing and our layaway program.
Affirm and Shop Pay have their own credit check policies. Affirm typically uses a soft credit check to show you rates, which does not impact your score. Refer to each provider's terms at checkout for full details, as terms vary by individual application.