Richter & Phillips offers special financing with approved credit through Wells Fargo. The Wells Fargo Jewelry Advantage credit card is issued by Wells Fargo Bank, N.A. Apply online or ask your sales associate for details. Affirm financing is available for online purchases. It offers affordable monthly options, no prepayment penalties and a fast online application process. We also offer one-year, interest-free layaway. Price Protection Guarantee, if within 90 days of your purchase you find a diamond with the exact same specifications and is graded by the same gemological laboratory at a lower price anywhere in the United States, Richter & Phillips will match it and give you 10% additional off the difference.