MORE WAYS TO PAY

Sapphire Jewellers Layaway Plan: Interest-Free Payment Plans (In-Store Only)

At Sapphire Jewellers, we understand that investing in fine jewellery is a meaningful decision. Our Layaway Plan allows you to reserve your chosen piece and pay for it over time — interest-free for up to 6 months.

This convenient payment option makes it easy to secure your jewellery today while spreading the cost over manageable monthly payments.

1. How the Layaway Plan Works

Our layaway system allows you to select any item in-store and pay for it in instalments over a period of up to 6 months, completely interest-free.

Once you make the initial deposit, your chosen item will be removed from sale and reserved exclusively for you, ensuring it cannot be purchased by anyone else during your plan.

2. Deposit Requirements

  • A minimum deposit of 15% of the total purchase price is required to start a layaway plan.

  • Your deposit is non-refundable and non-transferable.

    • Once paid, your deposit secures the item and removes it from sale.

    • Deposits cannot be transferred to another item or used as store credit.

  • If you decide not to complete your layaway, your deposit will be forfeited as the item has been held exclusively for you.

3. Payments

  • You must make a payment at least once every calendar month.

  • Payment amounts must be reasonable and proportionate to the total price of the item.

    • Example: For a £1,000 purchase, suitable monthly payments would be around £150 (After a £150 initial deposit)

  • Payments can be made in-store via cash, card or you can bring your old, unwanted jewellery in for market leading trade-in rates!

  • Failure to make regular payments may result in cancellation of your layaway and loss of your deposit.

4. Duration of the Plan

  • The maximum layaway period is 6 months from the date of your initial deposit.

  • The item will remain the property of Sapphire Jewellers until all payments have been received in full.

  • If your layaway extends beyond 6 months, Sapphire Jewellers reserves the right to:

    • Cancel the layaway and issue a partial refund (excluding your deposit), or

    • Adjust the final price to reflect current gold or market rates, if applicable.

5. Cancellations and Forfeiture

  • If payments are missed, or the plan is not completed within the 6-month timeframe, the layaway will be cancelled.

  • Your deposit and any payments made may be forfeited depending on how far along the plan is.

  • Once a layaway is cancelled, the item will be returned to stock and made available for sale.

  • Sapphire Jewellers is not responsible for notifying customers before cancellation due to non-payment — it is the customer’s responsibility to keep up with instalments.

6. Collection of Your Jewellery

  • Items can only be collected once full payment has been made.

  • You will be required to show valid photo ID and your layaway receipt when collecting your item.

  • Items cannot be released until payment has cleared in full.

7. Additional Terms

  • Layaway plans are available for in-store purchases only.

    • Layaway is not available for online or website purchases.

  • Layaway items cannot be exchanged, changed, or discounted once the plan has begun.

  • Discounts, sales, and promotions do not apply to existing layaway orders.

  • Sapphire Jewellers reserves the right to amend, pause, or discontinue the layaway policy at any time, without prior notice.

  • By paying a deposit, you confirm that you have read, understood, and agreed to all terms and conditions of the layaway plan.

Start Your Layaway Plan Today

Visit us in-store to begin your Sapphire Jewellers layaway plan.
Our friendly team will guide you through the process, set up your payment schedule, and secure your chosen piece in our holding safe.