Financing and Insurance

Financing

Jewelry is an investment, often in the people you love.  And we know the heart is sometimes bigger than the budget. That’s why we offer financing to help you buy that perfect piece without the angst.

We offer special financing: No Interest if Paid in Full within 6 months

Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period.¹

¹ The American Gem Society credit card is issued by Wells Fargo Bank, N.A.. Special terms apply to qualifying purchases of $240 or more charged with approved credit. Minimum monthly payments are required during the promotional (special terms) period. Interest will be charged to your account from the purchase date at the APR for Purchases if the purchase balance is not paid in full within the promotional period. Paying only the minimum monthly payment will not pay off the purchase balance before the end of the promotional period. For new accounts, the APR for Purchases is 28.99%. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. This information is accurate as of 08/01/2018 and is subject to change. For current information, call us at 1-800-431-5921.

To fill out an application, click here

If you prefer, we also have a fee-free, 3-month layaway program that allows you to make payments as often and for as much as you like.

Of course, we also accept all major credit cards.

 

 

Photo by Allison Easterling Photography

Insurance

Protect from theft, loss, and accidental damage through our partner Zillion.

 

FAQs

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How does Zillion protect beyond care and warranty plans?

Warranty and care plans cover defects and ongoing maintenance of your jewelry. Some may even cover damage but you’ll need Zillion in order to cover loss or theft of your jewelry, including while you travel.

Why is Zillion better coverage than a homeowners/renters policy?

While you can add jewelry to your homeowners/renters policy, it’s always better to insure with a specialty jewelry insurer like Zillion. Filing a jewelry claim with your homeowners/renters policy can put you at risk of an increased premium or cancellation of your full homeowners/renters policy. Your existing policy deductible could also apply which means you’ll pay more out of pocket. Coverage options may also be limited in not covering things like loss during travel.

What happens if I have a claim?

Zillion provides a concierge claims experience by taking care of the repair or replacement with your retail jeweler – keeping you in the loop. As a customer of Zillion, you won’t be burdened by proving ownership of your item, verifying its value, paying a deductible, or negotiating a cash settlement. We take this opportunity to exceed your expectations and remind you why you put your trust in Zillion.

How is Zillion different from other jewelry insurers?

Zillion exclusively insures jewelry purchased by customers of our retail & industry partners. Through our embedded insurance platform and integration with partner retailers’ point of sale and eCommerce systems, Zillion is able to offer you the easiest jewelry insurance experience in the industry, and at lower rates. We get what we need directly from the jeweler without forcing you to fill out unnecessary forms or provide an appraisal. No hassle. No boring stuff. Learn more about Zillion.

Retailer is not a licensed agent and not authorized to discuss or advise you on insurance coverage. Questions regarding this insurance program should be directed to Zillion. Coverage and pricing is subject to underwriting approval and policy terms and conditions.