Financing and Layaway Boca Raton

Buying a forever diamond, a rare Patek Philippe, or a one-of-a-kind custom piece should be exciting—not stressful. If your capital is tied up or you prefer to spread payments, our discreet Financing & Layaway options offer flexible terms with concierge-level support.

Five-Star Financing, Built Around You

With 40+ years in Boca Raton and 2,000+ Google reviews at 4.9★, our family-run house pairs GIA-certified gems, master bench jewelers, and Swiss-trained watchmakers with flexible financing. Choose interest-free or extended terms to secure your piece today—from engagement upgrades to bespoke CAD sapphire bracelets—without straining cash flow.
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Why Choose Us for Financing and Layaway in Boca Raton

01

Tailored terms

Up to 36‑month financing with approvals in minutes, plus a 20% down, up to 6‑month layaway program that locks in price and availability.

02

White‑glove security

Every layaway item is sealed, and stored in our 24‑hour CCTV‑monitored vault until pickup.

03

Risk‑free commitment

 Complimentary inspection, portfolio review, and no‑obligation financing quotes, decide only when the terms delight you.

04

Value beyond purchase.

Enjoy perks such as same‑day ring sizing, annual ultrasonic cleaning, and included insurance appraisals with purchase.

How Our Process Works

01
Schedule your appointment walk-ins are also welcome.
02
Visit our private Boca Raton showroom for a complimentary credit check, appraisal alignment, and transparent quote.
03
Approve the plan financing contracts e‑sign in minutes, while layaway requires only a 20 percent deposit. Take home in‑stock pieces the same day or within 24 hours, with text and photo confirmations ensuring an instant turnaround on documentation.
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What Goes Into Expert Financing and Layaway

Luxury assets demand expertise that surpasses swipe‑and‑go credit kiosks. We consider:

01
Piece complexity & provenance. A flawless D‑color diamond or vintage Daytona requires accurate, GIA‑style documentation to determine sustainable payment structures.
02
Market volatility. Metals, gems, and watch references fluctuate; our advisors freeze today’s price for layaway, shielding you from future increases.
03
Restoration scope. If your purchase involves bespoke polishing or laser welding, say, adding a hidden clasp to a rivière, we factor that labor so payments cover both the object and artistry.
04
Complementary services. Financing may bundle upcoming maintenance like stone tightening, scheduled prong retipping, or annual jewelry repair, smoothing future budgeting.
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Recent Client Testimonials

Nicole, March 2025

Polishing in two days, Phenomenal

“They secured 0% financing on my Paraíba tourmaline ring and delivered it with perfect polishing in two days, phenomenal.”

 Tyler, September 2024

It stayed impeccable.

“I placed a vintage Cartier on layaway; monthly photos proved it stayed impeccable.”

Angela, January 2025

No hidden fees, just clear terms

“Approved in 10 minutes for my custom halo upgrade, no hidden fees, just clear terms.”

Eleanor Pena

"Perfect gift for my loved ones!"

The intricate details and premium finish make every piece a memorable keepsake.

Ralph Edwards

"Luxury and elegance in every piece!"

The attention to detail in every piece is breathtaking—truly a work of art.

Frequently Asked Questions

How quickly can I get approved?

Most clients receive a decision in under 15 minutes. We work with multiple finance partners to maximize approvals without excessive credit pulls.

What are the layaway terms?

A 20 percent deposit secures the piece for up to six months. Payments can be made in‑store, online, or by wire, interest‑free and fee‑free.

Is my item safe during layaway?

Each piece is photographed and stored in our vault under 24‑hour CCTV until final pickup.

Can I finance a repair or custom piece?

Absolutely. Services like ring sizing, full restorations, or bespoke designs can be split into manageable installments aligned with production milestones.

Do you charge early payoff penalties?

Never. Settle whenever you like and enjoy immediate ownership transfer along with our workmanship warranty.

Can I upgrade during layaway?

Yes. Apply your paid balance toward a higher‑value item or larger carat weight without starting a new contract from scratch.

Are promotional rates really 0% APR?

Promotional terms range from six to 24 months at 0% APR for qualified applicants. After the promo window, standard rates apply, but we alert you 30 days prior so you can pay off or refinance.

Do I still get complimentary services?

Financing and layaway clients receive perks including annual ultrasonic cleaning, inspection, and same‑day bracelet adjustments at no charge.