Do you offer financing?

We are pleased to offer financing on all of our fine jewellery, with flexible and creative plans available:

The first is 0% interest in-house financing, that allows for flexible payments by instalment, leading up to the day item is fully paid and ready for pick-up or shipping.

Purchase by Instalments

2,3 or 4 Payments with 25% down. We can work with you to customize a flexible, regular payment plan.

Pay What You Can, When You Can Layaway

Deposit of 10% of total purchase ($500 minimum) and then pay what you can, when you can within an agreed number of months. There is no interest or admin fees or any extra charges, but your deposit is non-refundable. Payments within Canada must be made by cash, debit, check, bank draft or Interac online. Credit card payments are only accepted for U.S. and international clients. For financing, please contact sales@ftjco.com;  billing for financed projects is done through our online invoicing system, separate from this site.

Deposit + Installments

Available only for engagement rings, diamond-set wedding bands, we offer financing for up to 50% of the value of your deposit.  So if your deposit is $2000, you can spend up to $3000 (tax included); for a $5000 deposit, you can spend up to $7500, and so on.

We will arrange terms and a customized payment schedule to suit you with a 90 day interest-free grace period as long as your monthly payments are made in full and without interruption.  Thereafter, interest rates vary from 1.5%-2% per month on the outstanding balance, depending upon the term of your financing.  Payments are automatically charged to your credit card.

For more information, please contact sales@ftjco.com;  billing for financed projects is done through our online invoicing system, separate from this site.

Traditional Third Party Financing

For those who want to take home their purchase before it's fully paid. For those clients we offer a more traditional retail financing option through FinanceIt.ca but at less than half the interest rate charged by other jewellers' store cards.

You can use FinanceIt to fund some or all of your purchase--you can even use it for your deposit for our in house financing programs. You can finance as little as $500 up to $10,000 for periods ranging up to 60 months. The loans are open and there are no pre-payment penalties. Click below to see FinanceIt's online application.

FinanceIt is available only for in-store purchases because your identity needs to be verified in person.  It doesn't matter where you live in Canada, as long as you will be visiting our Toronto studio.

 



No matter what financing options you choose, your purchase must be paid in full and payments cleared through our bank before your purchase can be shipped or picked up.

Trade-in Gold

We offer credit against purchases for clients who have old gold jewellery.  It's a great way to make use of old chains and pieces that you don't wear and aren't sentimental.