Jewelry Financing Online Layaway

Jewelry Financing & Online Layaway Plan at ItsHot.com

Online Layaway

For our layaway plan you do not have to qualify and it is 100% free. To start a layaway we require a 10% deposit for automatic monthly payments or 25% deposit if you would like to use manual payments, you will 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 or if you need longer than 6 months terms please let us know and it can also be arranged). 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. 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 "Layaway for ..." button on the product pages to add the item to the shopping cart or please contact us via live chat 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 USA 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, the rate offered can be as low as 0% (if paid off within 3 months) but can go as high as 30% based on the length of the loan and credit it is subject to an eligibility check. Payment options through Affirm are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. You can pre-qualify on any product page by clicking PREQUALIFY NOW or 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.