Like it? It’s yours.

See something you like, but it’s a little out of your price range today? Don’t worry. We’ve got you covered. We’re proud to offer our customers options for getting the stuff they want.

Layaway is a great option to make purchases of jewelry and merchandise. Simply select the jewelry or merchandise you’d like to put on layaway. Next, make a 25% deposit followed by monthly payments according to the layaway agreement. Finally, pick up your jewelry or merchandise after the final payment is made and the item is paid in full.*

It’s easy. Plus, our layaway program is fee-free!

Here’s a few more reasons for you to choose
the layaway option

Fee and Interest-Free Purchasing

Only at American Jewelry and Loan can customers take the time they need to purchase an item interest- and fee-free. Pay online or in-store.

More Ways to

Layaway is a great alternative for customers who don’t have or don’t want to use a credit card. Even better, customers do not have to undergo an income or credit check to use our layaway program. Pay online or in-store.


Layaway payments may be made in-store using cash, credit card, or debit card, also online using credit or debit cards. We make it easy to make timely payments.

Stress-Free Holiday Giving

Put popular holiday gifts into layaway early before they sell out for the holidays. You’ll rest assured knowing that your loved one will receive the ‘must-have’ gift they’ve been wishing for.

American Jewelry and Loan Layaway Program Details

  • No fees
  • Two great options:
    • 3 months: Jewelry and merchandise from $50 to $599
    • 10 months: Jewelry $600 and up
  • 25% deposit required