Layaway Program

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Secure that luxury item, that one-of-a-kind piece; that gift for you or a loved one and pay it off with leisure and no interest or additional charges when you put it on layaway. You decide when to pay it off. Put an item away for the holidays, birthday or other special event. Better than buying on credit, there is no finance charge and no extra fees whatsoever! Find an amazing item in our store, but don’t have the funds to take it home today. That’s okay! Put it on layaway. Find an incredible gift for someone, but you don’t need it today. Great, put it on layaway! Break the payments up into monthly installments, with no extra expense! Parlet's Jewelry and Loan layaway program is an easy and affordable option when it comes to purchasing luxury goods. Do your share of shopping with or without credit, and don’t worry about paying any interest or added fees- opt for Parlet's Jewelry and Loan's layaway program. Easy and affordable: 10% DOWN PAYMENT, 10% PER MONTH, 10 MONTHS TOTAL, NO INTEREST, NO FINANCE CHARGES. Just pay a minimum of 10% at least every 30 days.

What is a layaway?

Layaway is an installment payment option that allows you to make payments for your purchase over time. While in layaway the special item will remain secure in our vault, away from the public eye. There are 4 basic steps:
  1. Come visit our store location in person to choose the special item(s) that you wish to purchase.
  2. Pay 10% of the total sales amount as a down payment.
  3. Remember to come visit at least once each month to make your payment. You can always pay more than 10%, and pick your item up early. Your convenience is important to us and we try to be flexible. If you are running late in your monthly payment just remember to stay in touch and keep us informed of your needs we will work to accommodate you.
  4. When the total amount is paid in full, you can pick up the item(s) you purchased and take it home.

With Parlet's Jewelry and Loan, layaway means no fees to pay, and no interest charged. Think about it – with absolutely no fees, layaway will cost far less than charging your holiday purchases to a credit card. For example, if you buy an item during the holiday season by charging $900 to a credit card at 18% interest, you will have to pay one month’s interest, equaling $162, even if you manage to pay off the total in February! That savings is money in your pocket!

Layaway is especially useful when you have to buy gifts during the holiday season- as great items usually sell out fast. Putting a valuable item on layaway means you can easily purchase it during the busiest times of the year.

When you consider your Parlet's Jewelry and Loan layaway option, it is a perfect alternative to using a credit card to pay for purchases in full. Even if you don’t have a credit card, you can pay for purchases over time with the help of layaway.

Our layaway program does not require income or credit check before approval. The process for qualifying is simple – just submit proof of identification that shows you are minimum 18 years of age, along with your 10% down payment. Our acceptance policy is easy, even people with low credit ratings can opt for layaway purchase.

  • All layaway sales are final. Absolutely no refunds or exchanges.
  • Items sold are in used "as is" condition, unless otherwise indicated.
  • Layaways require a minimum 10% down payment and a minimum monthly payment of 10% of the sales price.
  • Layaways must be paid in full within 10 months.
  • If a layaway is delinquent or forfeit, 20% of the sales price will be applied to a restocking fee and the balance of payments must be applied to a new purchase only.

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