Customer Financing & Layaway Program

Do you offer financing or layaway?
Yes.  We offer simple, no interest financing and layaway.  Split your purchase into 2 payments, 4 payments, or more.  Take up to 6 months to pay. 
What is the payment schedule?
The payment schedule is up to you.  You can make weekly, bi-weekly or monthly payments, whatever works for you, as long as it’s paid off within 6 months from your purchase date.
How much will each payment be?
The first payment is an initial deposit of 20% of the order price.   After that, how much you pay in each installment is up to you.
Do I have to use the same credit card for each payment?
No. You can use any payment method you’d like.  We accept all debit and credit cards, PayPal, Apple Pay and Google Pay.
Do you charge interest? 
No, there is no interest charged.
Is a deposit required?
Yes. A 20% deposit is required for your first payment. Your initial deposit is non-refundable. 

Can I pay it off early?
Yes, you can pay it off early if you like. There is no prepayment penalty.  
What happens if I need to cancel my order?
If during the financing period, you cancel your order, the initial deposit will be forfeited.  All subsequent payments you've made will be refunded back to you.  
What if I want to modify my order?
If you decide you’d prefer a different piece of jewelry during the financing period, the initial deposit and all subsequent payments will be applied to the new item.
What if I don’t pay in full by the six month end date?
At Rare Earth Jewelry’s sole discretion, your order may be cancelled.  If your order is canceled, the initial deposit will be forfeited, but any subsequent payments made may be applied as a courtesy towards any new order placed within 6 months of the cancellation date.  Orders where the initial deposit has failed or no payments have been received in 6 months will be considered abandoned and cancelled and cannot be refunded.                                                                                                                                                                                                                 
When will I receive my purchase?
Each piece of jewelry is made to order, and work will start once your last payment is paid in full.  The production time for each item is detailed in the item description.
How do I start?
It's easy.  If you’d like to finance a purchase, just let us know before you place an order.  You can use our Contact Us form, or reach us by telephone at 1-800 921-8750.