Layaway Policy

At Ruby Harper Fine Jewelry, we are pleased to offer a layaway program that allows you to reserve your selection and pay over time with flexibility.

How It Works

• Initial Investment: A 20% down payment secures your selection and reserves it exclusively for you.
• Payment Timeline: We allow a payment timeline of up to 6 months.
• Personalized Payment Plans: At the start of your layaway, we will create an installment schedule together within the applicable payment timeline.

If Plans Change

• All layaway deposits and payments are non-refundable.
• If a layaway is canceled before completion, payments made will be issued as store credit toward a future Ruby Harper purchase.
• Store credit issued from a canceled layaway must be used within 12 months of the cancellation date. Any unused credit will expire after 12 months and cannot be refunded, transferred, or extended.

Completion & Final Sale

• Your piece will be prepared for shipment once the balance has been paid in full.
• All purchases made through layaway are final sale and are not eligible for return, exchange, or refund.
• Custom pieces remain subject to the terms outlined in our Returns & Exchanges policy.