No interest Layaway is available for most items in the store. We normally require a deposit of 20% down at time of purchase. After 14 days no cash refunds will be given. Customers are required to make a minimum monthly payment of at least 1/12 of the total amount. After 30 days and before 90 days a customer wishing to make a refund or exchange will be given 80% of the payments in credit towards another cash jewelry purchase.