Gem Jewelers Co.
Layaway Plan

Yes. Once your 5% deposit is processed, the piece is reserved under your name and removed from sale. Nobody else can buy it while your plan is active, so it can't sell out partway through your payments.

No, you can pay any amount at any time, online or by phone, using a credit card, debit card, Venmo, or Zelle. The only requirement is clearing the balance within 24 months. Paying off early carries no penalty, and your piece ships as soon as the final payment clears.

Call us before the due date, and we'll work out a revised schedule with you. If a plan does lapse, your payments aren't lost. They convert to store credit toward any piece of equal or greater value.

Deposits and payments are non-refundable, but you keep their value. Everything you've paid can be applied as store credit toward another Gem Jewelers Co. piece of equal or greater value.

Yes. Your payments carry over to any piece of equal or greater value, and you keep paying toward the new total. Upgrading to a larger center stone or moving from 14K gold to platinum works the same way.

No. Your price is locked on the day you pay your deposit. This helps you during a seasonal sale, because the discounted price stays fixed for the full plan even after the promotion ends. It also means later markdowns can't be applied to an active plan.

They ship in the same insured package as your jewelry once your balance is paid in full.

No. We don't run a credit check, and layaway isn't a loan, so nothing is reported to the credit bureaus. That also means it won't help you build credit.

Choose layaway if you want zero interest and no credit check, and you can wait for the piece until the balance is paid. Choose Affirm or Acima financing if you need the jewelry now, such as for a proposal date that's already set. Financing delivers right away but may involve a credit check, interest, or leasing costs.

Yes. You can ship to an address other than your billing address, such as your office or a family member's home. We verify the alternate address with your card issuer to prevent fraud. Every delivery requires a signature, so plan for someone to be there.

We resize rings free within 30 days of shipment, except eternity bands. You cover shipping both ways, and most resizes are done within 3 business days.