Gemisphere's Layaway Program

All purchases can be put on our Layaway Program! You can use our Layaway Program for any necklace in stock, including any necklaces currently on sale. Simply pay 25% of the purchase price to reserve your order now, and then make three more monthly payments in the same amount. Sale prices will be locked in.

When placing an order on our website, check the Layaway box on the Checkout page. Your credit card will automatically be charged 25% of your total purchase now and the same amount for the next three consecutive months.* Payments will post each month on approximately the same calendar day that you placed your order. We will ship the items you placed on Layaway immediately upon receipt of your final payment.

Returns and Exchanges

For the Layaway Program, we offer this slight variation on our usual 30-day Return/Exchange policy: Within 30 days of your first Layaway payment, if for any reason you change your mind and wish to cancel your order, you can receive a cash refund for your first payment. After these first 30 days, you will receive Gemisphere credit instead of a cash refund. After we have shipped your item, if you choose to return it unworn and unused within 30 days of receiving it, you will receive Gemisphere credit instead of a cash refund.

Gemisphere reserves the right to charge a restocking fee for multiple returns made by the same customer.

Still have questions? Call us at 1-800-727-8877 or email us by clicking here.

* Cancelling Payments

Gemisphere will automatically charge your credit card on the same day for three consecutive months following your first payment (or on the first business day following that day). For example, if your first payment is made on July 1, then the second, third and fourth payments will be automatically charged to your card on August 1, September 1, and October 1. If you want to stop a payment for any reason, you must speak with a Gemstone Advisor (at 800-727-8877) at least three business days prior to the scheduled payment. If two payments are missed, Gemisphere will automatically cancel the layaway, and issue Gemisphere credit to your Gemisphere account. Gemisphere credit may be used for future Gemisphere purchases, but it will not be refunded as cash, via check, or as a credit to any credit card.


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