LAYAWAY
See something you love? Make it yours — no rush.
Found the perfect piece at Stockton Loan & Jewelry but don’t have the full amount today? No problem. With our easy layaway plan, you can reserve the jewelry or merchandise you want, pay over time — and take it home when it’s fully paid.
How It Works
Pick your item — browse our collection and choose what you’d like to reserve.
Make a deposit — put down a 25% deposit to secure the item.
Make monthly payments — pay off the remaining balance through monthly installments under your layaway agreement.
Pick it up — once the final payment is made and the item is paid in full, your purchase is all yours.
And here’s the best part: our layaway program is fee-free and interest-free.
Why Choose Layaway at Stockton Loan & Jewelry
Fee and Interest-Free Purchasing
Only at American Jewelry and Loan can customers take the time they need to purchase an item interest- and fee-free. Pay online or in-store.
More Ways to Buy
Layaway is a great alternative for customers who don’t have or don’t want to use a credit card. Even better, customers do not have to undergo an income or credit check to use our layaway program. Pay online or in-store.
Hassle-Free Payments
Layaway payments may be made in-store using cash, credit card, or debit card, also online using credit or debit cards. We make it easy to make timely payments.
Stress-Free Holiday Giving
Put popular holiday gifts into layaway early before they sell out for the holidays. You’ll rest assured knowing that your loved one will receive the ‘must-have’ gift they’ve been wishing for.
Stockton Loan & Jewelry Layaway Terms
- Zero fees & zero interest
- Deposit required: 25%
- Standard payment plans:
For jewelry/merchandise priced $50–$599 → 3-month payment plan.
For jewelry priced $600 and up → up to 10-month payment plan.
- Full ownership only after final payment is made.
