Financing & Layaway

At Ramsey’s we work with you to make your diamond jewelry purchase as stress free and affordable as possible. Our staff is trained to be accommodating and avoid pressure sales tactics. You choose the ring and price you are comfortable with. If you need to finance your purchase we are glad to work with you to find a financing solution. We currently offer several same as cash financing options, layaway and $0 down payment solutions.


SAME AS CASH FINANCING

Through partnerships with financial institutions we currently offer 2 Same as Cash financing options. Minimum monthly payment required.
  • 6 months Same as Cash with $0 down payment
  • 12 months Same as Cash with 20% down payment

$0 DOWN PAYMENT

We also offer a fixed rate $0 down payment option with a fixed interest rate of 13.9%. Minimum monthly payment required.

All financing subject to credit approval

How It Works
  • Come into the Ramsey’s store and fill out a credit application with one of our diamontologists
  • We process the application and let you know the approved amount. Processing only takes 15 minutes.
  • We apply the available credit when you pick up the ring.
  • Financing terms and conditions available in store.

LAYAWAY

If you prefer not to finance, please take advantage of our 4 or 6 month layaway plans. The 4 month layaway is available for all items; 6 month layaway available on items less than $3500.

How It Works
  • 20% down payment required
  • Fixed payment made every 30 days
  • Paid in full within 4 or 6 months
  • No fees or interest

Schedule an Appointment to review your financing options or just come by and see us during our regular store hours.