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-NO CREDIT REQUIRED. FINANCE UP TO $4000-

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Jewelry Financing and Leasing Options

Introducing ItsHot's layaway program. Are you eyeing that exquisite piece of gold, diamond jewelry, or luxurious watch at ItsHot but worried about the upfront cost? Our layaway program is your solution, designed to make your dream purchase accessible without the burden of high interest rates or credit score checks.
How layaway plan works
  • 1 Pick an item
  • 2 use the layaway button or contact us
  • 3 Complete the order
  • 4 Get item after paid in full
Buy with 0% APR and with no need to prequalify
  • ItsHot layaway plan doesn't require qualifying and it is 100% free (there is no APR).
  • To start a layaway we require a 10% deposit for automatic monthly payments or 25% deposit if you would like to use manual payments. Please note: because we have to hold your layaway item(s) without being able to sell them, the down payment deposit is not refundable in case you would like to cancel your layaway.
  • You have up to 6 months to pay the rest of the balance (you are also welcome to pay off your balance sooner than 6 months). If you need longer than 6 months terms please let us know and it can also be arranged.
  • Final payment must be made within 1 year. How you choose to pay for the item is at your discretion.
  • If your layaway order expires (after 1 year), the offer will be removed and the price updated to match the current sale price.
  • Payments made towards a custom item are non-refundable.
  • Your order will be shipped to you as soon as it is paid in full.
  • Items under $150 and loose diamonds are not eligible for a layaway plan.
  • Layaway guarantees the price of the item, not availability. If the item is no longer available after your order is completely paid off, please allow for up to 1 to 2 weeks to complete the production of the item.By placing a layaway order you agree to these terms and conditions.
Learn more
Quick and Easy Account Creation
All you need is to start using layaways is to create an account at ItsHot.com
Real People, Real Support
ItsHot has a dedicated team in New York, NY, ready to answer your questions and help out however they can. For more information contact ItsHot at sales@itshot.com or by calling 1-212-398-3123
Affirm logo
ItsHot.com has teamed up with Affirm to offer easy financing - without a catch. Enjoy no hidden fees, no late fees, no compound interest, and as low as 0% APR.There are no gimmicks such as deferred interest or hidden fees, so the total you see at checkout is always what you'll actually pay.
How Affirm Financing works
  • 1 Pick an item
  • 2 Check payment terms
  • 3 Get prequalified by Affirm
  • 4 Select Affirm at checkout
  • 5 Complete the order
Buy now and pay over time
  • Affirm will finance from $50 and up to $30,000 USD for qualified applicants
  • Affirm offers rates 0% APR or 10-36% APR based on your credit, purchase amount, and loan length
  • Make easy monthly payments over 3, 6, or 12 months.
    Example 1: on a $700 purchase, you may pay $233.33 for 3 months with a 0% APR
    Example 2: on a $700 purchase, you may pay $63.18 for 12 months with a 15% APR
  • Options depend on your purchase amount, and a down payment may be required
  • Affirm provides a debit card down payment option if Affirm isn’t able to approve financing for the full amount of a purchase.
  • Actual rates will be shown at checkout.
  • Affirm customers must:
    Be a resident of the U.S. (including U.S. territories)
    Be at least 18 years old (19 if you’re a ward of the state in Nebraska)
    Have a Social Security number
    Own a phone number that receives SMS and is registered to the United States or U.S. territories
Visit https://www.affirm.com for more information
Quick and Easy Account Creation
Your Affirm account is created using your name, email,mobile phone number, birthday, and last 4 digits of SSN.This combination helps Affirm verify and protect your identity.
Real People, Real Support
Affirm has a dedicated team in San Francisco at Affirm HQ,ready to answer your questions and help out however they can.For more information contact Affirm at help@affirm.com or by calling 1-855-423-3729.
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Acima logo
ItsHot.com has teamed up with Acima to offer an easy gold and fine diamond jewelry alternative to financing and allow customers to shop now and pay later even if they have bad or no credit at all. Acima Credit is a lease-to-own service that allows you to pay over time without traditional credit checks.
Acima’s No Credit Options provides a lease option where eligibility is not based solely on credit, so you can pick out the merchandise you need and take it home today. And you don’t have to make a big upfront payment or a long-term commitment. Upon approval, ItsHot will contact you to finalize your transaction or you can proceed to checkout and select the Acima payment option.
How Acima Leasing Works
  • 1 Pick an item
  • 2 Check payment terms
  • 3 Get approved by Acima
  • 4 Select Acima at checkout
  • 5 Complete the order
Lease-to-own, shop now pay later
  • Acima will grant an approval from $300 and up to $4,000 USD for qualified applicants
  • 90-day early purchase option is available
  • Make an initial payment — usually between $0 and $70
  • Make easy monthly payments over 12, 18, or 24 months
  • Acima offers early purchase options which reduces the cost to ownership.
  • Actual rates will be shown at checkout.
  • At this time program is only open to US residents except in Wyoming, New Jersey, Minnesota, and Wisconsin.
Visit www.acima.com for more information
Quick and Easy Account Creation
  • Fill out the application and know within seconds if you’re approved!
  • Your Acima account is created using your name, email, mobile phone number, photo ID, and SSN.
  • Have an active checking account with at least $750 of income a month and at least 3 months of income history.
  • Acima will not impact your FICO score.
Real People, Real Support
Acima has a dedicated team, ready to answer your questions and help out however they can.For more information contact Acima at customers@acima.com or by calling 1-801-297-1982.
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