Free Shipping on All Orders

0% Financing, Layaway, Sales Tax and Payments


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.

Sales Tax

United States Sales Tax - We do not charge sales tax on sales made to clients who live outside of NY state. Shipping is complimentary and insurance is included up to point of delivery.

International Sales Tax -  While we do not charge any US sales tax on international sales, please note there will be the countries duties and customs charges applied at delivery/pick-up. These charges generally are 10-20% of the sale, but we encourage you to check locally as this is an approximation and duties and custom charges vary by country.

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.



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.