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

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

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!

Jennifer Lingenfelter

I had such a wonderful experience working with Rhonda! I came in looking for a replacement chain for my favorite necklace, and she was incredibly helpful — patient, knowledgeable, and never once pushed me toward a pricier option. She listened to exactly what I needed and helped me find the perfect match.
What really made the experience special was that she also set up my three dogs AND my toddler with adorable little faux bling chains. They are now officially the most stylish crew around! Rhonda clearly loves what she does and genuinely cares about her customers. I’ll absolutely be back and will be asking for her by name! Highly recommend!

Sidona Ryan

My single diamond wedding ring in a round half bezel setting had started to snag clothing. I purchased it from a different jeweler located in Old Town. I called and emailed repeatedly to get an appointment with them to fix it and they never responded. I came across Gems of La Costa and saw that a close friend had left a nice review. I was nervous about having someone fix it, but Rhonda was very reassuring. She showed me that the setting was so loose, she could turn the diamond around in it. Thank goodness I got it in. They did an excellent job repairing it. It looked brand new. Thanks Rhonda and Gems. Great job. Highly recommend them.

Margaret Gureczny

First time to Gems of La Costa. referred to me from friends. Wow, from the moment I entered the store, I was impressed. I brought my gold necklaces to have new clasp replaced. I met with Rhonda. Her knowledge and honesty won me over. I also met Eddie. His expertise on my repairs were done without changing the integrity of my jewelry. I'm returning to sell my unused gold jewelry and purchase new.

Chris Sand

I would highly recommend Gems of La Costs for anyone who is looking to build a custom engagement ring. Daniel was absolutely incredible, and helped walk us through every step of the way. He had perfect insights on how to exactly build what we wanted. Any questions or concerns we had were answered quickly and professionally. If you’re looking for a ring, look no further.

Deana Mason

I recently had two experiences with Rhonda, selling some of my moms jewelry. It was a hard moment for me. But Rhonda not only was so compassionate she felt like a friend. She was so professional but yet so delicate with my feelings. I will never go anywhere else for jewelry and will always remember the kind service I had with her.