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Jewelry Financing in Noblesville, IN
Make Your Jewelry Purchase More Affordable
The right piece of jewelry shouldn't have to wait until every dollar is saved up. Smith's Jewelers offers flexible payment options that let you bring home what you're looking for now — and manage the cost in a way that works for your budget.
Whether you're shopping for an engagement ring, commissioning a piece of custom jewelry, or choosing a gift for someone who matters — financing and layaway options mean you don't have to compromise on quality because of timing.
Our options are straightforward. You can apply for a credit account with promotional interest-free periods, or take advantage of our layaway program, which requires no credit check, no application, and no interest of any kind. Both are available in-store. Our team is happy to walk you through whichever option makes more sense for your situation — no pressure, no obligation to decide the same day.
Flexible Payment Options Available
- No interest if paid in full within the promotional period — keep your money working for you
- Low monthly payments that make higher-quality purchases accessible
- Simple in-store application — typically quick and straightforward
- Layaway available — no credit check, no application, no interest
- Works for any purchase — engagement rings, custom jewelry, fine jewelry, watches
- Friendly guidance — our team explains both options and helps you choose what fits
Layaway — Own It in Ten Months, Interest-Free
Smith's layaway program is one of the best deals in jewelry retail, and it requires nothing more than a commitment and a starting payment.
Here's how it works:
- Put 10% down to hold your piece
- Pay 10% per month for ten months
- Zero interest — ever
- Full refund within 30 days of your initial deposit if you change your mind
- After 30 days, store credit is issued
No application. No credit check. No forms. Just walk in, find the piece you want, and hold it. Ideal for anyone who wants to buy something significant without taking on a credit account.
Contact us to get started →Wells Fargo Jewelry Advantage Credit Card
The Wells Fargo Jewelry Advantage card gives you a revolving credit line you can use for purchases at Smith's, with promotional financing options that let you pay over time without interest if you pay the balance in full by the end of the promotional period.
Key benefits:
- Promotional no-interest periods on qualifying purchases of $299 or more
- Accepted on engagement rings, custom jewelry, fine jewelry, and watches
- Apply in-store — the process is straightforward
- Minimum purchase of $299 required
*Full legal disclosures for the Wells Fargo Jewelry Advantage card appear at the bottom of this page.
Why Choose Financing?
Jewelry — especially engagement rings and custom pieces — represents a significant purchase. Financing doesn't mean you can't afford it. It means you're being smart about cash flow.
Financing lets you:
- Get the right piece now instead of settling for a lesser one later
- Spread the cost across months without touching savings you'd rather keep intact
- Say yes to a quality you want rather than a price point you're limited to
- Take home something today that will be valued for a lifetime
Most of our customers who use financing or layaway say the same thing: they're glad they didn't wait. The ring they wanted was worth it, and the payments were manageable.
Frequently Asked Questions
Applying for a new credit account typically results in a hard inquiry on your credit report, which may have a minor, temporary effect on your score. This is standard for any credit application. If you'd prefer to avoid a credit inquiry entirely, our layaway program has no application process.
Wells Fargo sets its own approval criteria, which we don't control. If you're concerned about approval, our layaway program is available to everyone with no credit check required.
Yes. Both financing and layaway can be used for custom jewelry commissions. For custom orders, layaway is often a particularly good fit since the piece is being built over the same period you'd be making payments.
With financing (Wells Fargo), you take the piece home immediately and pay over time via monthly credit card payments. With layaway, the piece is held at Smith's until it's paid off, then it comes home with you. Layaway has no interest, no application, and no credit check. Financing lets you have the piece right away.
Ask our team in-store — layaway is available on most items. We'll confirm what applies to your specific piece during your visit.
Jewelry Financing in Noblesville and Nearby Areas
Smith's Jewelers is located on the Square at 98 N 9th Street in Noblesville, Indiana. We serve customers from Noblesville, Fishers, Carmel, Westfield, Indianapolis, Cicero, and across Hamilton County.
Our financing and layaway options are available to anyone who shops with us in-store, regardless of where you're coming from. If you're traveling from Fishers or Carmel to shop for an engagement ring, our team will take the time to explain your payment options and make sure you leave with a clear plan — not just a purchase.
Apply or Visit Us Today
Both financing and layaway are handled entirely in-store. There's no online application process — we walk through it with you in person, which means you get answers to questions as they come up and guidance from people who know the options inside and out.
Tue–Fri: 10am–6pm | Saturday: 10am–5pm
98 N 9th Street, Noblesville, IN 46060
Walk-ins are welcome for financing and layaway inquiries.
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Learn More →Legal Disclosures
Wells Fargo Jewelry Advantage
*The Wells Fargo Jewelry Advantage credit card is issued by Wells Fargo Bank, N.A. Special terms apply to qualifying purchases of $299 or more charged with approved credit. Minimum monthly payments are required during the promotional (special terms) period. Interest will be charged to your account from the purchase date at the APR for Purchases if the purchase balance is not paid in full within the promotional (special terms) period. Paying only the minimum monthly payment will not pay off the purchase balance before the end of the promotional period. For new accounts, the APR for Purchases is 28.99%. If you are charged interest in any billing cycle, the minimum interest charge will be $1.00. This information is accurate as of 04/30/2024 and is subject to change. For current information, call us at 1-800-431-5921.