Frequently Asked Questions

Frequently Asked Answers


What are the requirements to open an account?

To be eligible for a line of credit of up to $10,000 you must meet five simple qualifications:

1) Be at least 18 years of age,

2) have a valid picture ID,

3) have verifiable income and

4) have a minimum of $100 down

5) ATM Debit Card

Do I need to have good credit to qualify for an account?

Definitely not, we have a credit plan that’s right for you. Regardless of your credit situation (good credit, bad credit or no credit) we will customize a credit plan to fit your needs.

Can you help me even if I’ve had a bankruptcy?

Yes, we are committed to giving people a chance to get back on track with their credit and their lives. This is why we have credit plans designed to help those in need, even when all others have turned them down. DeAngelos will help you reach your goal of owning beautiful jewelry while helping you re-establish your credit.

Does DeAngelos have a Ring Sizing guide?

Click HERE to download our Ring Sizing Guide.

What if I don’t have a down payment?

We will work with you and open your account. We understand that everyone has different financial situations and have many customized financing options available for you call us at 209-545-0600.

What type of payment options do you have?

We try to make our payment options as easy as possible. You can come in person and make your payment using a debit card, check, money order or cash. You can also set up your account payments using our automated payment system. Our customer service specialists will assist you with finding the best method and can set up payments according to your pay periods, financial situation, and budget.

What’s the catch?

There is no catch. We genuinely want to help people own Beautiful Jewelry so they can create a lifetime of memories while establishing a great credit rating.

How will having a DeAngelos Jewelry account benefit my credit?

We report your account to a major credit bureau (Equifax) as a revolving credit account. As you make payments to your account, improving your credit rating and enhance your credit score.

How much payment do I have to put down?

Our down payments start at $0 down (OAC) $100 recommended down payment. We work with any budget and will tailor a down payment plan that you can afford.

If I have a very low credit score can I still be approved?

Yes! We have a Credit Plan For Everyone! It’s not your credit score we worry about; it’s how serious you are about re-establishing your credit that’s important to us. We trust you for who you are today, not for what happened in your past. Any credit score is okay with us as long as you have a serious desire to improve your credit.

What if I am on a fixed income, will I still be approved?

Some of our best customers are on fixed incomes. It’s not your income source that pays the bills, it’s you, the kind of person you are, your integrity, your intentions, your goals and your honor in keeping your word.

What happens if I have an account with you, I lose my job or something happens that makes me tight on money for a while?

We understand uncontrollable situations happen in life. For this reason, we started this business to help good people with challenged credit. If a financial situation occurs, we will work with you and give you options to keep your credit in good standing.

What are your interest rates?

On approved credit, we have an annual rate of 19.8% interest with up to 36 months plans.

What are your prices like?

Our prices are fair and reasonable. We have some of the best account benefits in our industry, with everything considered. We are a complete jewelry store, with many added value to the level of service we provide our customers.

What is your guarantee/warranty?

We offer a 90-day warranty that covers diamond replacement (up to 1/2 carat), one-time sizing (2 sizes up or down) and free cleaning for life. We also offer straightening, polishing, buffing, and steaming. All we require is for you to bring in your jewelry for inspections every 90 days.

What is your return policy?

We have a 15 day even exchange only policy, no returns, no refunds.

Do you have a trade-in policy?

Yes, in fact, we have the best diamond jewelry trade up policy in the industry. We will let you trade in your previous purchase for your full 100% purchase price towards any item 50% greater in value (same category only) see store for details.

What if I want to make additional purchases after I have an open account?

We make it easy to purchase more beautiful jewelry after you open an account with DeAngelos Jewelry. We set you your credit limit once you open your initial DeAngelos credit account. After four months of perfect payments, your initial credit limit will be increased up to $500. Then every three months, as you pay as agreed, we will raise your credit limit an additional $500. Eventually leading up to a $10,000 credit limit.

What is your selection like?

We have a huge selection of bridal sets, engagement rings, promise rings, diamond fashion rings, gemstone rings, bracelets, watches, diamond earrings, 10kt and 14kt gold. Our website offers a very small fraction of what we actually carry in our store. We have 22 cases over 5,000 pieces jewelry in stock starting from $99 up to $20,000.

What is your quality like?

We carry top brand names such as Valina, John Bagley, David Kitty, Costar, Camelot and Tasha bridal lines. These lines feature 10kt and 14kt white gold. Most quality jewelry lines also come with a guarantee and warranty.

Is the jewelry real?

Yes, we only carry real jewelry starting at $99 and up. We have huge selection diamond bridal sets, in both 10kt and 14 kt. If we don’t have it we can order it or have it made. We also have a jeweler on staff that does on-site jeweler repairs, custom work if you would like to design your own jewelry.

Do you do custom work?

Our Master Jeweler is one of the top jewelers in the local region and can custom make jewelry from scratch. If you can dream it or show us a picture of it, he can make it.

What kind of diamond quality do you have?

Diamonds come in different qualities. We carry all qualities and can order anything that you desire. If we don’t have it in store, we can quickly get it. We also carry 100% conflict free diamonds.

How long does it take for sizing or repairs?

Our turnaround time is very fast as we have our own jeweler on staff. Our turn-around time is usually between one to two days.

Do you offer cleaning or restoration?

Yes, for no extra cost we will inspect and clean your jewelry. We will also straighten, polish, buff, steam and use the ultrasonic all for free while you wait.

What is Rhodium Plating?

If you’re looking for a new piece of white metal jewelry, chances are you’ve heard your jeweler mention the words “rhodium plating” (sometimes called rhodium flashing or rhodium dip). If the term puts you at a loss, don’t worry — you’re not the only one who’s had to ask more questions to understand what this means and whether it’s right for you.

Let’s get elementary on Rhodium.

Rhodium is a rare, silver-white hard metal in the platinum family on the periodic table. It’s highly reflective and holds the distinction of being one of the most expensive precious metals in the world. As an inert or noble metal — meaning it’s resistant to corrosion and oxidation in moist air — rhodium also increases the durability of any jewelry it plates.

Why opt for rhodium plating?

Rhodium plating is often added onto white gold or silver jewelry — and engagement and wedding bands in particular — to increase shine, luster, and durability. Rhodium plating will also make the metal more scratch resistant and when used on silver jewelry, less prone to tarnishing. One of the biggest upsides to rhodium plating is it is nickel free, making it hypoallergenic. White jewelry consists of yellow gold mixed with a small amount of nickel to give it the “white gold” color. Nickel allergy is increasing across the population, so it makes sense to choose your metals’ wisely.

Are there any downsides?

While rhodium plating can vastly increase the shine and durability of your jewelry, it’s still just that plating. This means it will wear off over time (how long depends on how much wear and tear the jewelry takes) and you will need to have the piece reifinished periodically. Typically, rhodium plating needs to be reapplied every couple years. Some people’s body chemistry is such that the plating wears more quickly than that. So keep an eye out for wear. Most jewelers recommend periodic rhodium plating. If you choose a rhodium-plated piece, be sure to check your jeweler’s policy.

Do you fix watches and replace batteries or bands?

Yes, we can do most types of watch repair. If you need a batteries, watchbands or a complete overhaul, we can help.

Do you buy gold or diamonds?

Yes and you can stop in for a free estimate. DeAngelos pays top dollar for your gold and diamonds and we’ll pay you cash on the spot.

How long have you been in business?

DeAngelos Jewelry opened April 1st, 1995. The owner Tom DeAngelo, has been in the jewelry business since June 1993. He has over 24 years of experience in the jewelry industry.

Disclosure: Consumer Credit is extended to persons whose ability to pay or credit rating is below typical standards of credit worthiness. The finance charges and annual percentage rate do not exceed those charged to persons whose credit rating has been determined and who meet generally accepted standards of credit worthiness. The down payment is as low and the period of repayment of the same duration as in consumer credit extensions to those of previously determined credit worthiness and the debtor is dealt with fairly on all conditions of the transaction including the consequences or delayed or missed payment.