We offer layaways or payment plans on all of our jewelry. Your initial payment should be at least 25% of the item's price. The remaining payments should be at least $100 each. The entire payment period should take no more than 6 months.If you cancel the payment plan for any reason, we will charge a 25% restocking fee based on the full price of the item.If you are doing a payment plan on items that are currently on sale, the sale price and discount will only apply to payments paid while the sale is going on. Once the sale is over, all of your remaining payments will go back to the original price. To take advantage of our sales, you should plan to pay as much as you can towards the payment plan during the sale period.