14K Gold Ladies Circle Diamond Necklace 0.98ct

We offer you one of the largest collections of jewelry and watches: well over 20,000 designs. We are the actual manufacturers of most jewelry we sell so we offer it to you at factory-direct prices which translates into great savings.

We are very customer service oriented and provide 24/7 live chat and email support as well as 11 hours a day toll free phone support: Mon-Fri 10am-7:30pm EST.

Your security is very important to us, we utilize secure server so your information is fully encrypted and safe. We also offer free gift packaging, free shipping within usa and discounted worldwide shipping, as well as 1 year warranty on all our products, 30 days returns policy and absolutely no restocking fees so you can shop with an absolute peace of mind and have a great shopping experience with us.

Online Layaway
For our layaway plan you do not have to qualify and it is 100% free. To start a layaway we require a 25% down payment and you will have up to 3 months to pay the rest of the balance. Please note: because we have to hold your layaway item(s) without being able to sell them, the 25% deposit is not refundable in case you would like to cancel your layaway. Your order will be shipped to you as soon as it is paid in full. Sorry, we are not able to offer layaway option for loose diamonds. To start a layaway please use the live chat feature to contact us or give us a call at: 1-212-398-3123 , our phone support is open Mon-Fri 10am-7:30pm EST.

Jewelry Financing (sorry but at this time available for US residents only)

Shopping In our NYC Store:
If you are a US resident and have a good credit history you might want to try our jewelry financing program. For this program you have to qualify by filing an application, the information is the same as in a regular credit card application (so to qualify you must have a good credit history). If you qualify for the full amount you can pick up your order right away and you will pay your balance over time. Currently we offer a 90 day 0% APR promotion.

Applications can be found and filled out at our NYC Store open Mon-Fri 11am-7pm EST at:
48 West 48 St., Suite 302
New York, NY 10036

Please bring 2 types of your IDs

Shopping Through the Website:
We are now offering a financing program at checkout through a partnership with Affirm. This offer is currently available to US Residents only. Simply click to choose the Affirm Financing option in the “Payment Method” section during checkout. Once finished, press the “Place Order Now” button and you will be asked to enter your basic information on the Affirm website to get approved.

Order Over the Phone: (business hours 10AM-7:30PM)

With our partnership with Affirm, we can set up the financing over the phone for US Residents. Please call us at 1-212-398-3123 Mon-Fri 10am - 7:30pm EST and we will be happy to assist you.

We are always customer service oriented and strive to make your shopping experience with us fully satisfactory.

Guarantee: all items purchased on ItsHot.com are guaranteed to be exactly as described, if stated "diamond" or "diamonds" it means real, natural diamonds. If for any reason you wish to return an item you purchased from us you can do so within 30 days after you received it as long as it is in brand new condition with tags attached. There are no restocking fees. You just need to contact us and request a return authorization number. Please note that custom orders are not returnable.

Payments: we accept a variety of payment methods including: visa, mastercard, american express, discover cards, as well as bank wire transfers, paypal, amazon payments and cash (for showroom purchases).

Shipping: items usually ship in 1 to 3 days of purchase (some items such as eternity rings might take 1-5 days to ship for these items number of days to process and ship is stated in the description). If you must receive your order by a certain date, please contact us and we will arrange it. We ship worldwide. We provide free ground shipping within USA for orders over $150, FeDex 2 day air for $25, FedEx next day air for $35, Canada shipping by FedEx international air is $45, and worldwide shipping including to UK, Australia and other countries by FedEx international air for $65. All rates include full insurance and delivery confirmation (package will not be left unattended).

Warranty: ItsHot.com offers 1 year warranty on all diamond jewelry purchased from us. Most watches come with manufacturer's warranty.

Appraisal: Every diamond jewelry item sold for $500 to $1,500 will come with a certificate authenticity stating the metal as well as approximate carat weight, quality of diamonds and the appraised value of the item, in most cases it is sufficient to be used for insurances purposes. Jewelry items sold for $1,500 and above will come with a free appraisal certificate from an independent gemological laboratory.