pay with layaway.
Do you offer layaway/monthly payment plans?
Yes, we believe in assisting our customers with reasonable spending. That is why we have set up an innovative payment plan to make jewelry purchases more flexible for everyone.
Is credit needed and what is the interest rate?
No, the great news is that credit is not needed for our 0% interest-free payment program.There are absolutely zero interest charges so that our valued customers can utilize this flexible spending plan with peace of mind.
How does the layaway/payment plan work?
Our customers have the option to decide on the length of term that is best for them between 1 to 6 months.An initial deposit of 10% is required to start the layaway plan. You may place a larger deposit percentage of up to 50% of the total purchase price. A higher deposit will result in lower monthly payments.
What is the benefit of placing a deposit?
A deposit will allow us to place the selected item(s) on hold to ensure that it is available to ship upon completion of the payment plan. A large selection of our jewelry and loose gems are exclusive and "one-of-a-kind." Items on layaway will be unlisted from our online market places in order to prevent it from being sold elsewhere.A deposit is also the first step in taking advantage of this 0% interest-free and budget-conscious payment plan.
Can I place a "custom" or "made-to-order" piece of jewelry on layaway?
Yes, we can place your very own unique custom designs* or one of our "made-to-order" pieces from the "Genevieve, Juliette, Cassia, Elizabeth, Francesca, Victoria, Portia, Anastasia, and Premiere" collections on layaway. Design and production will begin when the balance is paid down by at least 50%. Placing a 50% deposit will initiate the design and production process immediately.
What if I decide to cancel the layaway?
If a layaway plan is cancelled anytime prior to the final payment then we will issue a refund minus the initial 10% deposit. All net proceeds and deposits exceeding 10% of the purchase price will be refunded back to the original purchasing account. This 10% is considered store credit for future purchases. Layaway store credit expires exactly 1 year from the original date of deposit.Custom and special-made jewelry* on layaway that have been placed into production after 50% of the balance is paid cannot be cancelled and are ineligible for a return or exchange due to the personalized and individualized nature of the item(s).*A custom and/or special-made jewelry order is defined as any jewelry design made "a la carte" and/or designs that deviate from the exact available and select-able options on fireandbrilliance.com per the customers' request.
How is the layaway/payment plan calculated?
The payment plan is calculated by dividing the net difference of the total price less the initial deposit (option of 10% to 50%) by the number of months that the customer opts to pay (option of 1 to 6 months).
Example: Ring priced at $1000 and customer wants a 6 month layaway plan with a 10% deposit.
Initial Deposit: $100 (10% of $1000)
Installment Terms: 6 Months
Monthly Payment: $150 (Remaining $900 divided by 6 months)
How can I request to be set-up for a layaway plan?
We have integrated a simplified solution in our engine so you can conveniently enroll into our PayPal powered layaway program at checkout. You can see a step by step visual of how it works HERE.
Feel free to message us if you have any questions. We are happy to assist.