Jewelry Layaway & Financing Options
Layaway Plan Terms
Our layaway plans allow you to reserve your chosen jewelry with manageable payments over time. Understand the schedule, duration, and fees before you commit.
Initial Deposit
20% of the total jewelry price required to start your layaway plan.
Payment Schedule
Flexible monthly payments due every 30 days until full balance is paid.
Plan Duration
Layaway plans last up to 6 months, giving you ample time to complete payments.
Late Payment Fee
$15 fee applied if a payment is missed or late beyond 7 days.
Cancellation Policy
If you cancel, a $25 processing fee applies; a 15% restocking fee applies and remaining credit due is an instore credit. No cash/check will be refunded.
Final Payment
Full payment must be completed by the end of the 6-month period to claim your jewelry.
Jewelry Financing Options at Stein’s Jewelry & Loan
Financing Made Simple
Flexible Financing Options for Your Next Purchase
Ready to make your purchase? Financing through Marine Credit Union gives you the opportunity to explore lending options and find a solution that works with your financial goals.
Whether you're planning a purchase now or looking for a manageable way to spread out the cost, the online application makes it easy to get started.
Why Explore Financing?
- Convenient Online Application – Start your application online from the comfort of your home.
- Explore Your Options – Learn more about the financing available for your purchase.
- A Trusted Lending Partner – Marine Credit Union is a member-owned financial cooperative serving communities across Wisconsin, Iowa, and Minnesota.
- Take the Next Step – Submit your application to begin the lender's review process.
How to Get Started
1. Apply Online
Click the application link below to access the online financing application.
2. Provide Your Information
Complete the requested information so Marine Credit Union can evaluate your application.
3. Review Your Options
If approved, review the financing terms offered by the lender, including applicable rates, payments, and repayment terms.
4. Move Forward with Confidence
Once your financing is finalized, you can take the next step toward your purchase.
How does the layaway plan work?
You select your desired jewelry and make an initial deposit to reserve it. Then, you pay the remaining balance in scheduled installments until fully paid. Once complete, you take your jewelry home.What is the typical payment schedule?
Payments are usually divided into equal installments over a period of up to 90 days. You can discuss a schedule that fits your budget when setting up your plan.Are there any fees or interest charges?
Our layaway plans do not include interest charges. A small service fee may apply depending on the plan length, which will be clearly explained before you commit.What happens if I miss a payment?
If a payment is missed, we contact you to discuss options. Plans can often be extended with an additional fee. If the plan is canceled, deposits may be forfeited according to terms.
