Oaks Jewelry offers a 3-month layaway plan on any item in our stores. We require a deposit of 30% to initiate a layaway plan. Payments are due every 30 days.

Payments may be made in-store, over the phone with a credit card, or online by choosing that payment option at checkout. Please note, if you make any of your layaway payments over the phone you will need to present your photo ID and the credit card used when picking up the item.


Put in on layaway with Lay-Buy

We understand that you may change your mind after making the decision to layaway an item.

  • A layaway deposit for fine jewelry is eligible for refund 30 days from the initiation of the layaway plan and is eligible for exchange 60 days from the initiation of the layaway plan.
  • Luxury watch layaway deposits are eligible for refund 3 days from the initial of the layaway plan and eligible for exchange 30 days from the initiation of the layaway plan.
  • Layaway deposits for Handbags, Sunglasses, and Fashion watches are eligible for exchange only within 15 days of the layaway initiation.

Outside of these dates, we will handle return and exchange requests on a case-by-case basis.

 Lay-buy terms, agreement, and contract