Does Sams Have Layaway For Jewelry


Buying jewelry is a big decision, and often people want to ensure they are making the best choice for their budget. One option that many shoppers consider when buying jewelry is using layaway plans. Layaway is a great way to manage your costs, take ownership of something you would otherwise not have access to, and build up your credit score with an organized and timely payment plan. In addition to layaway, there are other payments programs available through jewelers and financing companies that can help make buying jewelry more accessible and manageable.

Sams Jewelers offer a range of financing options for those interested in purchasing jewelry from the store. These include layaway plans, flexible payment terms with no interest for up to 60 months, rewards programs for frequent buyers, and special offers for military personnel. Sams also allows customers to open shop credit accounts to finance multiple purchases over time. Customers now have several options when considering how to purchase a piece of jewelry—an important element in finding the right ring or necklace at the right price point. With all of these financing options at hand it is easier than ever to find a plan that works best within your personal budget goals.

What is Layaway?

Layaway is a method of purchasing something without having to pay the full price upfront. It involves paying off an item over time and often, depending on the retailer, there is no additional fee associated with using this payment method.

Sams Club offers four types of layaway options for jewelry: Standard Jewelry Layaway, Jewelry Value Advantage Layaway, Jewelry 30 Day Layaway, and Best Value Jewelry Layaway.

Standard jewelry layaway requires a $20 non-refundable deposit and the remaining balance must be paid within 90 days. For jewelry value advantage, a 25% deposit is required along with biweekly payments until the balance has been paid off in 12 weeks. The jewelery 30 day layaway requires a $20 downpayment plus taxes and allows for full payment within 30 days. Lastly, best value jewelry layaway requires a 10% downpayment but does not have an exact return date as long as customers make regular payments on time each month until their jewelry balance is fully paid off.

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Does Sam’s Have Layaway for Jewelry?

Yes, Sam’s has layaway for jewelry. To use the layaway service, customers must place at least a 25% deposit on the item and establish a payment plan up to 2 months to pay off the remaining balance. All payments must be made in full by the final payment date and all fees must be paid at the time of purchase. Up to two extensions may be requested and granted with additional charges or fees. No returns are allowed on layaway items except when the item is defective or not as advertised. Any alterations such as resizing and repairs are also not permitted. Customers may cancel their layaway and request a refund within 48 hours of purchasing, minus any additional processing or cancellation fees that may apply. In addition, unpaid layaways after 30 days may be cancelled and any deposits forfeited.

Pros and Cons of Layaway for Jewelry

Layaway for jewelry is growing increasingly popular as a payment method, especially during the holiday season. The biggest benefit of layaway for jewelry purchases is that it allows customers to conveniently spread out payments over a period of time, making expensive items more manageable and attainable. With layaway, customers are able to get their desired jewelry piece while managing their budget constraints. For instance, a customer could purchase an engagement ring at Sam’s from anywhere between $500 and $3,500 and then split the payments up within a 1-3 month span with no interest or extra fees through their in-store layaway program.

The biggest drawback to using layaway for jewelry purchases is that customers need to abide by certain policies such as minimum purchase thresholds before they can qualify for the service and layaways often include cancellation fees when customers default on payments or fail to pick up their items within the allotted time. Purchasing jewelry through this system also presents some risk since it can often take weeks or months for customers to fully pay off and receive their item(s). Finally, there may be difficulty when attempting to return an item once a customer has completed their payments since returns are not always available when purchasing through layaway.

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Example of Successful Layaway Purchase:
A successful example of a jewelry layaway purchase would be Erin who wanted to buy her fiancé an engagement ring from Sam’s but couldn’t fit the entire cost into her budget. By utilizing the store’s 90-day layaway option, she was able to make 3 monthly payments culminating in receiving the ring exactly one month before her wedding day! The payment plan allowed her to enjoy her beautiful diamond ring without feeling any financial strain beyond what she had planned for.

Alternatives to Layaway

Yes, Sams does have layaway available for jewelry, but online customers have the option of taking advantage of other forms of financing. These include utilizing credit card payments through PayPal Credit, paying with Amazon Pay and financing partnerships with Synchrony Financial, QuadPay, Klarna and Affirm. With these types of payment plans, customers can spread out their payments in installments over a designated period of time that best suits their budget needs. Customers shopping in store can also apply for a Sams Club Mastercard or a store-issued Club installment loan to help finance the purchase of their desired jewelry item.


Yes, Sams offers a layaway plan for jewelry. Customers just need to select the Pick-up In-Club or Add to Cart button on the item page and then select the Layaway option. The plans are 8 weeks with 20% down in stores only. To find out more about their layaway policies, customers can call their customer service toll-free at 1-800-564-1041, or visit their website for more detailed information about their layaway program and associated fees.

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