In-House Jewelry Financing in Merced, CA
Found the perfect jewelry but don’t want to pay all at once? DeAngelos makes it easy!
With our in-store financing in Merced, you can take your jewelry home now and pay later in small, simple payments.
No hassle, no long process - just visit our store or give us a call to get started!
Shopping Easy as 1. 2. 3.
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You must be at least 18 years old to apply for in-store financing.
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A valid government-issued photo ID is needed to confirm your identity.
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You should be employed for a minimum of 6 months to qualify.
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A bank account is required to set up automatic monthly payments.
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You can get a guaranteed credit line from $700 to $10,000, based on approval.
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We report your payment history to all three major credit bureaus - Equifax, Experian & others to help you build or rebuild your credit.
We Approve Everyone!
No Credit
Bad Credit
Even Bankruptcy
We Build Credit
The Central Valley Trusted Jeweler Since 1995 and #1 one on Google with 1500+ 5-star Reviews.
Jewelry is something that holds significance in the form of self-expression, cultural identity and sentimental values. At DeAngelos Jewelry, we think jewelry is way of keeping memories alive and every piece of jewelry has a story that deserves to be preserved.
DeAngelos is the Central Valley’s trusted jeweler since 1995, and we’re proud to be #1 on Google with over 1500 five-star reviews. Our easy jewelry financing in Merced has helped thousands of happy customers get the jewelry they love without worry. Join the many satisfied people who trust us for friendly service and best financing options for your jewelry that fit any budget.
Our Family run Business has been Helping Customers Since 1995.
Years Experience
Customers
Customer would recommend
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Why Choose DeAngelos In-Store Jewelry Financing in Merced?
At DeAngelos, we make buying jewelry easy and stress-free. Our in-store jewelry financing in Merced helps you take home the piece you love without paying the full amount upfront. You can pay in small, simple monthly payments that fit your budget.
We don’t make you go through long bank paperwork or hard credit checks. Even if you have no credit or bad credit, we will approved your application for jewelry financing.
At DeAngelos you will never suffer the embarrassment of being declined credit to purchase jewelry. Bankruptcy, Divorce, Job loss, Collections or Foreclosures aren’t a problem! People come to DeAngelos because they need help establishing credit or re-establishing credit.
Are You Looking for Trusted Jewelry Financing Options In Merced?
Get the jewelry you love today with easy and flexible financing plans designed to fit your budget. Trusted by many, our financing service makes owning beautiful pieces simple and stress-free.
Simple and Transparency in Jewelry Financing
When we say “simple,” we mean stress-free, quick, and user-friendly and mostly effortless. From the moment you step into one of our stores or visit us online, you’ll notice how easy it is to apply for jewelry financing. It’s as easy as selecting your favorite piece and applying with just a valid photo ID and a debit or credit card.
In the world of financing, transparency is everything and at DeAngelos that’s exactly what we deliver. You deserve to know exactly what you’re signing up for -with no hidden fees, no fine print surprises, and no misleading terms. . Before you finalize any plan, we walk you through every detail from your payment schedule to the total amount due. What you see is what you pay.
Our Jewelry Financing Service Features
Our jewelry financing service in Empire includes flexible payment plans, easy approval - even with bad credit - and affordable options to help you purchase the jewelry you love. Whether it’s engagement rings, wedding bands, or fine jewelry, our financing makes it simple to buy now and pay over time.
1. No Credit Needed Financing
We understand that not everyone has a perfect credit score, and that shouldn’t stop you from getting the jewelry you love. With our No Credit Needed Financing option, you don’t have to worry about credit checks or complicated paperwork. This makes it easier for you to buy your favorite pieces right away and pay over time. We believe everyone deserves a chance to sparkle, no matter their credit history. Come in and ask about this easy way to finance your jewelry purchase today!
2. Easy Monthly Payment Plans
Our Easy Monthly Payment Plans let you spread out the cost of your jewelry over a set number of months. Instead of paying the full price upfront, you can make smaller, affordable payments every month. This helps you manage your budget without missing out on the jewelry you want. We’ll work with you to find a plan that fits your needs and timeline. It’s simple, flexible, and stress-free — so you can enjoy your new jewelry without worrying about big bills.
3. 90-Day Same-As-Cash Option
With our 90-Day Same-As-Cash Option, you get a chance to pay for your jewelry within 90 days without any extra interest or fees. That means if you pay off your balance in those 90 days, you only pay the original price—no hidden charges! It’s like buying with cash but with extra time to pay. This option is perfect if you want to buy now but need a little time before paying the full amount. Ask us how to use this great option and shop worry-free!
4. Instant Approval Process
We know you want to get your jewelry fast without waiting days for approval. Our Instant Approval Process means you can apply for financing and get a yes or no decision right away—usually in just a few minutes. There’s no long paperwork or confusing steps. This quick process helps you start shopping immediately and take home your jewelry on the same day. It’s easy, fast, and designed to make your buying experience smooth and hassle-free.
5. Low Down Payment Options
Worried about paying a big amount upfront? Our Low Down Payment Options make it easier to start your jewelry purchase with less money upfront. You can reserve your favorite piece by paying a small initial amount, then pay the rest over time. This helps you manage your budget better and still get the jewelry you want right away. It’s a smart way to buy without stretching your finances. Talk to us about how low your down payment can be!
6. Multiple Financing Partners
We work with several trusted financing companies to offer you the best options available. Our Multiple Financing Partners means you have a variety of plans and terms to choose from, so you can pick what works best for your budget and credit situation. This variety increases your chances of approval and gives you more control over how you pay. We’ll help guide you through the options to find the perfect match for your needs and help you shop with confidence.
7. Upgrade Anytime Option
Love your jewelry but want something new or bigger later? Our Upgrade Anytime Option lets you trade in your financed jewelry for a new piece at any time. Instead of waiting until your payments are done, you can upgrade and keep your collection fresh. This program makes it easy and affordable to enjoy the latest styles or a special piece without starting over. It’s a flexible way to keep your jewelry sparkling and fit your changing tastes.
8. Financing for Custom Jewelry
Want a unique piece made just for you? Our Financing for Custom Jewelry service helps you afford custom designs without paying the full price upfront. Whether it’s an engagement ring, a special necklace, or a one-of-a-kind creation, you can finance the cost and pay over time. We’ll work with you to bring your vision to life while keeping payments easy and manageable. Custom jewelry is within your reach - let’s make your dream piece a reality!
No Credit or Bad Credit? We’ve Got You Covered
“Your Past Doesn’t Define Your Future” Traditional lenders often judge based solely on numbers. But we believe you're more than a credit score. That’s why our jewelry financing programs in Merced are designed keeping your preferences in mind. So whether you are just starting out or even rebuilding after a setback, or steering financial curveballs and have no credit history or past credit, we offer solutions keeping your condition in mind and will 100% finance your jewelry.
With simple terms, affordable monthly payments, and a quick jewelry financing approval process, we make it easy for you to celebrate life’s special moments with the perfect piece of jewelry—no matter where you are on your financial journey.
How DeAngelos Jewelry Financing Helps Build your Credit
Financing jewelry at DeAngelos can help you build your credit in a simple way. When you make your monthly payments on time, the financing company reports it to credit bureaus, which adds positive history to your credit report. This helps improve your credit score over time. It’s a good option if you’re just starting to build credit or trying to fix bad credit.
Plus, it’s an easy way to show lenders that you can manage payments responsibly-all while getting the jewelry you love without paying everything upfront.
Things to Do Near Our Jewelry Shop in Merced, CA (Jewelry Financing)
Financing fine jewelry in Merced opens the door to celebrating love, milestones, and personal style. Whether you’re shopping for a special piece or just exploring payment plans, here are 8 thoughtful things to do nearby to make your visit feel extra special:
Browse Shops at Merced Mall or Promenade Center
After exploring jewelry financing options, enjoy a relaxing shopping break at Merced Mall or Promenade Center. These popular spots offer everything from fashion and accessories to tech and home goods - making it easy to find something special to pair with your new jewelry. Whether you’re browsing for fun or celebrating a big moment, these local centers are perfect for turning errands into enjoyment.
Sip & Reflect at Coffee Bandits or Bella Luna Bistro
Take a peaceful break at Coffee Bandits or Bella Luna Bistro — two cozy local favorites in Merced. Whether you’re reviewing financing options or simply enjoying the excitement of choosing new jewelry, these welcoming cafés offer the perfect atmosphere to relax, sip something warm, and reflect on your special purchase or upcoming celebration.
Relax at Applegate Park or Bear Creek Trail
Take a peaceful break at Applegate Park or enjoy a scenic walk along Bear Creek Trail. Both spots offer a calm, relaxing atmosphere — perfect for thinking through your jewelry financing options or simply unwinding after your visit. Whether you're celebrating a special occasion or just need a breather, these quiet outdoor spaces in Merced add a refreshing pause to your day.
Capture Moments at UC Merced Campus
Celebrate your milestone with a visit to the beautiful UC Merced campus. Whether you're honoring a graduation, engagement, or simply marking a special purchase, the campus offers scenic spots perfect for meaningful photos. Stroll through its open green spaces and modern architecture — a peaceful place to reflect, snap pictures, and create lasting memories tied to your new jewelry piece.
Treat Yourself at Local Beauty Spots
Enhance your visit by treating yourself to a little self-care at one of Merced’s trusted beauty spots. Whether you choose a manicure, hair refresh, or relaxing service at salons like The Vault, Glamour Hair & Nails, or Studio 8 Salon, it’s a great way to feel your best. Pairing new jewelry with a polished look makes your special moment even more complete and memorable.
Dine Out at Local Favorites Like Rainbird or J&R Tacos
Celebrate your jewelry purchase or financing visit with a delicious meal at one of Merced’s local favorites. Enjoy elevated dining at Rainbird, known for its farm-to-table flavors, or keep it casual with flavorful street-style bites at J&R Tacos. Whether it’s a solo treat or a date night, a great meal adds a perfect touch to a special shopping day.
Pick Up Fresh Flowers from The Red Poppy Boutique or Merced Floral
Add an extra special touch to your jewelry purchase by picking up fresh flowers from The Red Poppy Boutique or Merced Floral. Whether you’re surprising a loved one or celebrating a personal milestone, a beautiful bouquet perfectly complements your new piece. It’s a simple but meaningful way to elevate the moment and make your gift even more memorable.
Give Back Locally
Make your visit to Merced even more meaningful by giving back to the community. Volunteer your time at the Merced County Food Bank, participate in local service events with Love Merced, or support HandsOn Central California initiatives. Whether you’re celebrating a milestone or just browsing, helping others adds heartfelt value to your jewelry journey.
Apply Today for Fast and Easy Jewelry Financing!
Start shopping for your dream jewelry now with our quick and hassle-free financing options. Apply today and enjoy flexible payment plans that make it easy to afford the pieces you love.
Why Merced Trusts DeAngelos Jewelry?
Merced trusts DeAngelos Jewelry for jewelry financing because we make it simple, transparent, and stress-free to bring home the pieces you love.
As a local, family-owned jeweler, we truly care about our community and offer flexible in-store financing plans designed to fit your budget and lifestyle - no hidden fees, no confusing terms. With a reputation for honesty, friendly service, and genuine care for each customer, it's easy to see why so many in Merced choose DeAngelos Jewelry to finance their special moments.
Popular Jewelry Styles in Merced, California
Merced, CA is a lively place where people mix modern trends with personal traditions. Whether it’s a gift or something for yourself, here are the jewelry styles locals love most:
Statement Rings
Statement rings are a big hit in Merced. These bold, eye-catching rings often feature large gemstones, unique shapes, or custom engravings. People wear them to show off their personal style - not just for engagements. Whether it’s a colorful stone or a chunky gold band, statement rings add a fun and stylish touch to any outfit, making them a favorite choice for everyday fashion.
Birthstone Jewelry
Birthstone jewelry is a popular choice in Merced. Many people wear necklaces, rings, or bracelets featuring their own birthstone or those of loved ones. It’s a simple and personal way to celebrate birthdays, family connections, or special memories. These pieces make thoughtful gifts and are often treasured for the meaning they carry - not just for their color or sparkle.
Moon & Nature-Inspired Designs
Moon and nature-inspired jewelry is loved in Merced for its peaceful and spiritual vibe. Many people choose pieces shaped like moons, stars, flowers, or leaves. These designs often feel calming and meaningful, reminding wearers of beauty, balance, or personal beliefs. Whether it’s a moon pendant or a floral bracelet, these pieces bring a soft, natural touch to everyday style.
Protection & Good Luck Charms
In Merced, many people love wearing jewelry that brings good energy and meaning. Protection and good luck charms - like the evil eye, hamsa hand, or tree of life - are very popular. These symbols are believed to keep away negativity and attract positive vibes. Whether worn as a necklace, bracelet, or ring, these pieces aren’t just stylish - they also carry a deeper sense of comfort and belief.
Layered Necklaces
Layered necklaces are a popular trend in Merced. Many people wear two or more chains together to create a stylish, personalized look. They often mix different lengths and styles - like a name necklace with a small charm or a simple gold chain. It’s an easy way to dress up any outfit and show off your unique style. Whether casual or elegant, layered necklaces work for every occasion.
But we also know that meaningful jewelry can come with a big price tag. That’s why DeAngelos Jewelry now offers in-store jewelry financing in Merced - so you can get the piece you love today and pay over time. Whether you're buying an engagement ring, upgrading to a gold chain, or investing in custom jewelry, our financing options make it easier and more affordable.
Looking for Jewelry Financing Services in Merced, CA? Here are some of the most frequently asked questions:
Anyone who is 18 years and above can apply. One should have a valid government issued Identity card (such as a driver’s license, passport, or state ID) and an active debit or credit card. So either you're buying for the first-time or upgrading a piece, our financing options are available in Merced to help and guide you shop with ease and confidence.
At DeAngelos, we make it easy for you to get the jewelry you love. Get approved on the spot for a credit limit starting from $700 up to $10,000 — and take it home today!
You can finance any jewelry item available at DeAngelos! This includes engagement rings, wedding bands, gold chains, luxury watches, diamond studs, and even custom-made jewelry. Our financing options even extend to exclusive or high-value pieces, helping to make your dream purchase more accessible.
In most cases, approval happens almost instantly often within few minutes of submitting your application. Our financing system is designed to be fast and stress-free, so that you can get started on your purchase right away any delays. If there is any kind of delay our customer support is available at your service.
Yes! Jewelry financing can help your credit score go up. We report your payments to major credit bureaus — Equifax and Experian to help you build or rebuild your credit.
Absolutely. We offer jewelry financing in Merced for all credit types, including no credit and bad credit. Everyone deserves the chance to own the jewelry they love.
You only need two things: • A valid government-issued photo identity card (such as drivers license or passport) • An active debit or credit card for identity verification and initial setup. No lengthy paperwork or complicated documents are needed.
Yes! We encourage our customers if they want to pay off their balance early if they wish. There are no penalties, prepayment fees, or have fulhidden charges for doing so. You l control of your repayment schedule and can clear your remaining balance anytime according to you.
We have flexible financing plans including from 3-months, 6-month, 12-month, and up to 24 months options. For qualified buyers, we offer 0% interest financing, as well as low-interest alternatives for longer terms. This flexibility allows you choose the plan that suits you best according to your budget and financial goals.
At our Merced store, jewelry financing approvals are quick - many customers get approved the very same day they visit us.
We work with leading providers like Equifax and Experian to give you flexible and trustworthy financing. These companies are well known for their reliability, transparency, and easy to use. Through these partners, we ensure secure transactions, fast approvals, and a variety of repayment options according to your preferences.
Some plans may require a small down payment especially for high priced items or for customers with low credit scores, while others do not. It depends on your credit profile and the total amount of your purchase. We’ll walk you through all available options during your application process.
We believe in total transparency. There are no hidden fees or surprise charges. Everythingis explained up front. All costs, interest rates (if applicable) and terms are clearly made clear to you during the application process so that you know exactly what to expect before finalizing your purchase.
Yes, you can finance custom designs and repairs. You can also use it for custom-designed pieces, jewelry modifications, and even repairs or restorations and other services in addition to purchasing jewelry directly from us. Whether you're renovating a family heirloom or designing something completely unique, we make it easy to afford your vision.
Our in-store financing is offered at our Merced location, but we also welcome customers from nearby areas like Tracy, Modesto, and Turlock etc.
We’re always here to help our valued customers! • Call us at (209) 545-0600. • Email us through our website contact form. • Visit any DeAngelos location in person. Our friendly team will walk you through the entire financing process and help you find a plan that’s right for you with no pressure and just support.
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