Jewelry can be expensive. But you might still want to get someone a special gift of treat yourself. That’s why many jewelry stores offer layaway plans where you can pay for your item in stages. It’s helpful for people who otherwise would have to save up for a long period of time, risking that the item goes out of stock or having a great offer expire. It’s helpful too because jewelry stores with layaway plans are available to you whether you prefer shopping online or offline.

Listed in this article the jewelry stores with layaway plans and stores that aren’t exclusive jewelry stores but do sell a large selection of jewelry. We’ve also included stores that do not offer layaway so you’re not left wondering. And with those stores that do not offer layaway, most offer other forms of financing which we’ve included in each store description. By doing so, we’ve enabled you to find jewelry stores with layaway plans as well as some no credit check jewelry stores/jewelry stores that have other financing options.

All jewelry stores listed offer year around layaway unless otherwise noted. Whether you want to do jewelry layaway online or in-store, the following will help you:

Jewelry Stores with Layaway Plans

1. Borsheim’s

2. Day’s Jewelers

3. Helzberg Diamonds

4. Jared The Galleria of Jewelry

5. The Jewelry Exchange

6. Joshua’s Jewelry

  • Does Joshua’s Jewelry offer layaway? Yes
  • In-store or online? Online only
  • Down payment? One third of the total with a minimum purchase of $500
  • Number of payments? It’s up to you, but layaway orders must be completed within 6 weeks
  • Cancellation terms? Unspecified online
  • Do Joshua’s Jewelry check credit? Financing offers are subject to a credit check, but layaway isn’t
  • Is layaway available year-round? Yes
  • Click here to browse online
  • Click here to read more about Joshua’s Jewelry layaway

7. Kay Jewelers

  • Does Kay Jewelers offer layaway? Yes
  • In-store or online? In-store only – and you will need to visit a store to get details on down payments, payments required and cancellation terms
  • Does Kay Jewelers offer any other payment plans? Yes – if you don’t have a Kay Jewelers near by you can enjoy 12 month financing on items of $500 or more. There’s a 20% down payment and no interest if you pay in full within the 12 months
  • Do Kay Jewelers check credit? Financing offers are subject to a credit check, but layaway isn’t
  • Is layaway available year-round? Yes
  • Click here to find your nearest location
  • Click here to browse online
  • Click here to find out more about credit services at Kay Jewelry

8. Kmart

9. Michael Hill

10. My Trio Rings

  • Does My Trio Rings offer layaway? Yes
  • In-store or online? Online only
  • Down payment? No down payment required
  • Number of payments? Entirely up to you, it can be weekly, bi-weekly or monthly
  • Cancellation terms? Not specified online – but you can contact My Trio Rings here
  • Do My Trio Rings check credit? Financing offers are subject to a credit check, but layaway isn’t
  • Is layaway available year-round? Yes
  • Click here to browse online
  • Click here to read more about My Trio Rings layaway

11. Reeds Jewelers

12. Sears

13. Serendipity Diamonds

  • Does Serendipity Diamonds offer layaway? Yes
  • In-store or online? Online only
  • Down payment? 25%
  • Number of payments? Any amount of payments as long as completed within four months
  • Cancellation terms? Free if cancelled within a week, $5 fee if cancelled after 1 week
  • Do Serendipity Diamonds check credit? Financing offers are subject to a credit check, but layaway isn’t
  • Is layaway available year-round? Yes
  • Click here to browse online
  • Click here to read more about Serendipity Diamonds layaway

14. Shane Co

15. Since 1910

  • Does Since 1910 offer layaway? Yes
  • In-store or online? Online only
  • Down payment? 25% with a minimum purchase of $1,000
  • Number of payments? Up to 6 monthly payments with extensions available on certain items
  • Cancellation terms? Not specified online
  • Do Since 1910 check credit? Financing offers are subject to a credit check, but layaway isn’t
  • Is layaway available year-round? Yes
  • Click here to browse online
  • Click here to read more about Since 1910 layaway

16. Sterling Jewelry

17. Totaram Jewelry

  • Does Totaram offer layaway? Yes
  • In-store or online? Online only
  • Down payment? 20%
  • Number of payments? It’s up to you but plans must be completed within 4 months
  • Cancellation terms? Orders placed on layaway cannot be cancelled or changed in any way
  • Do Totaram Jewelry check credit? Financing offers are subject to a credit check, but layaway isn’t
  • Is layaway available year-round? Yes
  • Click here to browse online
  • Click here to read more about Totaram layaway

18. Walmart

  • Does Walmart offer layaway? Yes
  • In-store or online? In-store only – it’s usually seasonal but some locations offer jewelry layaway all year round
  • Down payment? $10 or 10%, whichever is greater
  • Number of payments? Unspecified but for seasonal items the final payment must be before December 14th
  • Cancellation terms? Down payments will be refunded, minus a 10% cancellation fee
  • Do Walmart check credit? Financing offers are subject to a credit check, but layaway isn’t
  • Is layaway available year-round? No; layaway is typically only available during the holiday season. Certain store locations may offer layaway year-round for jewelry purchases.
  • Click here to find your nearest store
  • Click here to browse online
  • Click here to read more about Walmart layaway

Jewelry Stores That Do Not Offer Layaway Plans

The following are the jewelry stores that do not offer layaway. We didn’t want you to be left wondering, “But does that jewelry store offer layaway?”

Though many of these stores offer other forms of financing which we’ve included in each description:

Cartier

Costco

De Beers

Fred Meyer Jewelry

Pandora

Piaget

Pomellato

Riddles

Ross-Simons

Sam’s Club

Tiffany’s

Tous

Zales

Jewelry Stores with Layaway Plans: Conclusion

You now know where to get layaway jewelry online or in-store. Some of these are also no credit check jewelry stores so you should have no problem either giving jewelry to someone else or getting something nice for yourself.