Layaway Policy

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 confidence and flexibility.


How It Works


  • Initial Investment: A 20% down payment secures your selection and reserves it exclusively for you.
  • Payment Timeline:
    • Loose stones & custom projects — up to 6 months.
    • Vintage & finished pieces — up to 60 days.
  • Personalized Payment Plans: At the start of your layaway, we will create a customized installment schedule together to best fit your needs.


If Plans Change


  • All deposits and payments are non-refundable.
  • If your layaway is canceled, any payments made will be applied as store credit toward a future Ruby Harper purchase.

 

Completion & Returns


  • Your piece will be prepared for shipment once the balance is paid in full.
  • Loose stones and custom pieces purchased on layaway are final sale and not eligible for return.
  • Vintage and unaltered finished jewelry purchased on layaway may be returned in accordance with our standard returns policy.