0% Financing & Layaway


Ben Garelick accepts all major credit cards in store and online. We also accept PayPal payments and, of course, cash and personal checks.

Layaway Policy

Ben Garelick Jewelers' pain free layaway policy allows you to place any item on layaway with absolutely no fees or carrying charges as long as you make monthly payments. We ask that you place 20% down with regular monthly payments of 10% of the total amount! Layaways cannot be canceled after 30 days. Should you miss two consecutive monthly payments your item will be returned to stock & any money paid will not be refunded. You can make layaway payments to Ben Garelick Jewelers via credit card, via check or pay in-store. Simply stop in or contact us to arrange a layaway. Please note, special orders placed on layaway are considered final sale and are not eligible for store credit or any money back.

0% Financing is Available 

Working with our partner Synchrony Financial we are happy to offer a financing plan that includes no interest up to 18 months. Make your monthly payments during your finance term and pay zero percent interest. You may also set up automatic monthly withdraws from you banking account through our financing company to eliminate worries of missing or late payments. You can apply for financing through Synchrony by filling out the form below. Also, at checkout you have the option to choose Klarna with financing options including Slice-it with 4 equal payment installments as well as financing up to 36 months. Financing options with Klarna vary and are clearly displayed in the individual product page before checkout.


Please tell us about yourself. Please note that you must reside in the United States and be 18 years or older to apply.

Alimony, child support or separate maintenance income need not be included unless relied upon for credit. You may include the monthly amount that you have available to spend from your assets.

If this address is a P.O. Box, you must provide a street address for yourself or a contact person

* You authorize Synchrony Bank (“SYNCB”) to contact you at each phone number you have provided. By providing a cell phone number and/or email address, you agree to receive account updates and information, including text messages from SYNCB and the dealers/merchants/retailers that accept the Card. Standard text messaging rates may apply.


An additional card will be issued to the person indicated below. The applicant (and joint applicant, if any) will be liable for all transactions made on the account including those made by any authorized user. JOINT APPLICANT: You agree that we may send notices to you and/or applicant at the applicant’s address, regardless of whether you live at that address.

Free Gift Wrapping

Ben Garelick will gift wrap your purchase free of charge beautifully wrapped and tied with a luxurious blue ribbon. Boxes included on all orders.

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