Financing

Financing at Raymond Lee Jewelers in Boca Raton

West Boca Location
East Boca Location

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Payment Plans Made Easy

Raymond Lee Jewelers Financing in Boca Raton

At Raymond Lee Jewelers, we believe that the most satisfied clientele are two things: educated and empowered. We never hold back in sharing everything we know about luxury watches, estate jewelry, designer jewelry, and especially diamonds. Buying jewelry is often just as much of a sentimental occasion as it is an investment, so we always want our clients to feel totally comfortable with their purchase, knowing all of their options about the pieces they consider and how to pay for them. It’s why we’re proud to offer several financing options both in-store and online.

Online Financing Options

Raymond Lee Jewelers Financing in Boca Raton

We’re proud to offer two different options for our online customers. When browsing our online showroom, you’ll see two options on every product page: Affirm and PayPal.

Affirm is our newest offering, an online financing tool developed specifically for larger online purchases. Affirm is secure, fast, and quickly growing – it’s a financing options for other high-end retailers who want new ways to serve online clients.  Affirm offers interest rates that range from 10% – 30% depending on your credit score and payment period. To use it, you’ll go to “checkout” and enter in all required fields. Once you input your shipping and billing information, you’ll be able to select Affirm as your payment option. From there, you’ll be directed to Affirm’s secure website. If you already have an Affirm account, simply log in and enter your pin, and Affirm will show you your options.

Not a member yet? It’s fast and easy to fill out and verify your identity. Affirm will determine your credit score (fast!) and let you know how much financing you’re approved for. It then gives you the options to pay for your purchase over 3 months, 6 months, or even 12 months. Once you make your selection it will show you exactly what your total will be, how much interest you’ll pay, and you can even enable autopay so you’ll never miss a payment. It is so streamlined and easy and adds great flexibility to your wallet for large purchases, and even those under $100 (though the repayment terms differ slightly – you can read more about it here.)

PayPal is your financing tool for purchases over $100. It’s also subject to credit approval, you just answer two questions during checkout and agree to PayPal’s terms of credit. It’s a reusable credit line available at Raymond Lee Jewelers, and provides you different options for paying over time. It’s another fast, secure option that comes with the peace of mind you expect from PayPal. You can read more about it here. 

In-Store Financing

Raymond Lee Jewelers Financing in Boca Raton

If you’re able to visit our beautiful flagship showroom in Boca Raton, you also have access to another of our flexible financing options, the Raymond Lee Jewelers store credit, backed by Wells Fargo.

You’ll choose your purchase with the assistance of our experts, then quickly fill out information for them to submit for approval. Upon credit approval, you’ll see your re-payment terms and rates, then head home with your gorgeous new watch or jewelry.

The Raymond Lee Jewelers credit card is issued by Wells Fargo Financial National Bank, an Equal Housing Lender. *Special terms for 12 months apply to qualifying purchases of $1.00 or more charged with approved credit at participating merchants. The special terms APR will continue to apply until all qualifying purchases are paid in full. The monthly payment for this purchase will be the amount that will pay for the purchase in full in equal payments during the promotional (special terms) period. The APR for Purchases will apply to certain fees such as a late payment fee or if you use the card for other transactions. For newly opened accounts, the APR for Purchases is 27.99%. This APR may vary with the market based on the U.S. Prime Rate and is given as of 07/29/2017. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. If you use the card for cash advances, the cash advance fee is 5.00% of the amount of the cash advance, but not less than $10.00.

Layaway

Raymond Lee Jewelers Financing in Boca Raton

For our clients who want another alternative, we’re proud to offer layaway. This is a fantastic tool for those with little credit history, poor credit, or who don’t want to use credit. You’ll choose the watch, jewelry, or diamond you’d like and set up a payment plan directly with your Raymond Lee Jewelers expert. If you’re shopping online, Call 1-800-329-GEMS to speak with a consultant or email info@raymondleejewelers.net to place your item on layaway.

Then you’ll make the agreed upon monthly payments while your jewelry or watch stays securely in our vault under 24/7 surveillance and armed guard during business hours. As soon as your watch or jewelry is paid in full, it’s yours to take home and enjoy forever.

The Flexibility You Need

Raymond Lee Jewelers Financing in Boca Raton

We offer several financing options and payment tools because we believe that every client should be empowered to make the purchases they want on their own timeline. We know that when it comes to life’s most significant occasions, sometimes you can’t wait. It’s why we want you to have the tools you need to make an informed decision.

If you have any questions about financing luxury watches, financing fine jewelry, financing diamonds, or financing engagement rings, we are always here to help. You can call us, e-mail us or stop by our West Boca or East Boca locations to find out more about these payment tools.

Implications of non-payment: There are no financial implications. If no payment is made the loan simply defaults. Collection practices include sending a text message or email reminding the client payment is due. There is no impact to a client's credit score for late or non-payment. Loans are renewed when an interest payment is made. Maximum APR; 36%. There are no additional fees or penalties when renewing a loan. No loans offered are under 60 days. Early prepayment options that are available are not associated with any fees or cost. The loan is not required to be repaid within 60 days. The minimum repayment period is 61 days and maximum is 10 years. An example of a loan is: borrower takes $100, repays $106 in 90 days. Loan is fulfilled.

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