Totaram Jewelers - Layaway Plans - Pay in Installments

Buy your jewelry in installments or Layaway.

Call us at 732-228-6300 - Option 1 today and set up your layaway plan in minutes.

1. Select an item which you plan to purchase (Except - You cannot place clearance items or 24 Karat Gold Bars or Coins on layaway)
2. Decide for how long you want the layaway plan (STRICTLY upto a maximum of 4 months ONLY).
3. 20% of the total amount will be charged on the day you start your layaway plan and 20% will be charged after each month for 4 months (there will be a total of 5 payments of 20% each in 4 months)

For Example, if the item you wish to put on layaway costs $1000 and you place your order for this item on 8th Jan, then $200 will be charged on 8th Jan (the day you start your layaway plan) and $200 will be charged after each month for 4 months on 8th Feb, 8th March, 8th April and on 8th May (unless you wish to comple the layaway plan before 4 months - You can choose to have a layaway plan for a shorter duration and get your product early)


4. The minimum price of EACH item that you plan to put on layaway MUST be atleast $500 or more. 

5. Please keep in mind that, You will NOT have the option to return, exchange, change or cancel your layaway order. Items purchased through layaway plan cannot be returned or exchanged. Item ordered on layaway plan cannot be changed or cancelled even if the item has not been shipped to you and even if all your payments have not been completed. NO EXCEPTIONS


6. That is all there is to it. Call us at 732-228-6300 - option 1 Mon-Fri between 9AM-5PM EST and set up your payment plan. Do NOT place the layaway order directly on the website, if you order it on the website, your card will immediately be charged for the full amount right away.
7. 1-2 business days after we process your last payment, we will ship your order to you and email the tracking number to you.
8. Once your layaway plan is setup, it will NOT be possible to change the dates on which the payments get charged. 
9. Orders placed on Layaway Plans CANNOT be returned or exchanged or cancelled or changed under ANY circumstances.

10. A one time non-refundable $25 layaway plan setup and processing fee will be charged along with the first payment for each layaway plan order.

You CANNOT put items on sale or Clearance Section or the 24K Pure Gold bars or Silver coins on Layaway

All Goods will be delivered ONLY after the complete payment is received. NO EXCEPTIONS.

For a customized layaway plan suited to meet your needs (must be less than 4 months) contact us today at 732-228-6300 - Option 1.

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