Financing

At Loch Jewelers we offer a couple options for financing.

Layaway: Find the perfect piece of jewelry and let us hold it for you.

We require a down payment on the purchase. Schedule up to six monthly payments to cover the balance. Once the jewelry is paid, you can take it home!


Credit Cards: We accept most major credit cards.


In-House Financing: Work with a Team Member to find the right option for you.

In-house financing requires 50% down on the item and then monthly payments on the remaining balance with 6-12 month financing options.


Jewelers Reserve: A 6-12 month, interest free payment plan through Jewelers Reserve.

Stop in and go through the application process or apply online at Jewelers Reserve Financing.

  • NO INTEREST IF PAID IN FULL WITHIN 6 MONTHS* on purchases of $150 or more. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 6 months.
  • NO INTEREST IF PAID IN FULL WITHIN 12 MONTHS* on purchases of $300 or more. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 12 months.
  • *With credit approval for qualifying purchases made on the Jewelers Reserve Credit Card. As of March 19, 2020, APR Variable: 28.49%. Minimum interest charge up to $2.00. See card agreement for details. Offer valid for consumer accounts in good standing; is subject to change without notice; see store for details. May not be combined with any other credit promotion offer.

    **
    With credit approval for qualifying purchases made on Jewelers Reserve Card. 11.99% APR until balance is paid in full. If you have other balances or late payments on your account, the number of monthly payments advertised may not pay off the balance. See card agreement for details. Offer valid for consumer accounts in good standing; see store for details. May not be combined with any other credit promotion offer.

Please feel free to
contact us.

We have jewelry professionals ready to help.

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