There are several reasons people opt for a lay-away over financing or lease to own. Consumers make the choice because they did not qualify for our lease to own program or simply do not have a checking accounts to apply with. There are those who have no established credit and therefore would not qualify for traditional financing. Many customers do not need the merchandise immediately and wish to make variable payments until they are ready to take possession of their jewelry.
Since its inception and prior to No Credit Needed Lease to Own. Unclaimed Diamonds has had an extensive layaway business. Layaway allows customers an opportunity to own jewelry by making payments without the burden of having to pay in full up front. Even with the introduction of our No Credit Needed Lease to Own program, layaway remains a viable option for customers that find themselves at a crossroad. Our layaway plan is a flexible tool that provides our customers with a unique payment option.
When you start a layaway with us we will determine a scheduled due date for your payments based upon your specific needs. With the variable payment option our lay-away plan can be customized to fit your needs. We will happily enroll you in a weekly, bi-weekly or monthly payment schedule.
When a lay-away is initiated Unclaimed Diamonds will retain procession of the jewelry until final payment has been received, no layaway will be released until final payment is confirmed. While our standard layaway is for 90 days there is no minimum layaway term however layaways longer than 90 days will be handled on an individual basis.
Part of our mission in providing our customers with a comfortable experience is the understanding that things change. You may cancel your layaway at any time during the course of it. If you wish to cancel your layaway, customers must call to obtain proper authorization. Failure to call may result in a 20% restocking fee. Any Layaway with inactivity past our agreed upon schedule will be cancelled and be subject to 20% restocking fee of initial purchase price.
Our main goal is to provide you with the jewelry of your dreams, With our flexible layaway payment options we will work with customers on an individualized basis.
With our Placeholder Layaway Plan™ enjoy the ease of layaway until you’re ready to use your pre-approved No Credit Needed approval. Don’t pass up an opportunity to own what you really want because you didn’t get the approval you need. We can arrange a Placeholder Layaway Plan™ which will allow you to make payments for up to 90 days before using your pre-approved No Credit Needed Leasing.