Interest Free Layaway Policy

Many of our items are one-of-a-kind. Use an interest free layaway plan to grab the item before it sells out and lock in the current price- for up to a year! This is especially important with today's rapidly rising gold, platinum, diamond, gemstone and labor prices.

We have a variety of layaway options: 3 monthly payments, 6 monthly payments or 12 monthly payments. If you wish to place an online order with the layaway option, simply select the desired option at the bottom of the order checkout form and also check acceptance of the layaway policy.

Payment Options:

  • If payment is by credit card: If you are paying by credit card or debit card, your order total will be divided into equal monthly payments, to be billed automatically on the same day each month. If you have a special request for the billing date each month, please indicate that in the comments section of the order form. Otherwise, the payments will be billed on the same day of the month as the day the order is placed. Your purchase will be shipped once the final payment has been made.
  • If payment is by check or money order: Please divide your order total by the term (3, 6, or 12) and write the check out to M&H Gems. Send monthly payments to the address below.
5256 S Mission Rd.
Ste 703-027
Bonsall, California 92003
If payments are not received within 15 days of the due date, the layaway will be cancelled.
  • If you have a special circumstance in which a payment cannot be made, we will delay the payment one time for up to one month, but the payment must be made up the next month. If the payment policy is not met or you decide to cancel your layaway purchase, the non-refundable layaway amount will be retained (see below).
Layaway Cancellation and Return Policy:

  • For 3 monthly payment layaway plans, 10% of the original order total is non-refundable.
  • For 6 monthly payment layaway plans, 20% of the original order total is non-refundable.
  • For 12 monthly payment layaway plans, 30% of the original order total is non-refundable.
  • If for some reason the layaway is not paid in full after the 12 payment period and the customer wishes to continue the layaway, we will extend the period for up to 6 months. Please note that the purchase and all payments become non-refundable at that time. The 6 month extension only applies where at least 50% of the purchase price has been paid.
Please note that these amounts are NOT in addition to any non-refundable amounts for ring sizing or non-refundable deposits for special orders. The higher of the layaway non-refundable amount, ring sizing non-refundable amounts, or any non-refundable amounts/deposits for special orders will be used in determining any layaway purchase refunds.

See Examples

Legal Disclaimer:

After your initial (first) payment, an automated email will be sent to the email address specified in your order each time your credit card is billed or if the charge is rejected. It is your responsibility to make sure that you are able to receive emails from us and to update your email address with us if it changes. If your cannot or are not receiving your monthly emails, you must notify us so that we can contact you with any problems in billing your credit card.

See our jewelry in all its glorious detail. We have added video to some of our beautiful creations.

Sapphire Jewelry Video

Sample Video