We offer a variety of flexible payment options, including credit cards; Interac or ACH transfers with cash discounts; financing and payment with cryptocurrencies. We also hope you'll take advantage of our referral program!


We are pleased to offer financing options on all of our fine jewellery, with both flexible and creative plans available.  We offer low or no cost in-house financing for terms up to 4 months, as well as layaway options that can extend up to 8 months.  We also offer longer-term, third-party financing available through Affirm. 


0% interest in-house financing

Flexible payments by instalment, leading up to the day your item is fully paid and ready for pick-up or shipping.

Purchase by Instalments 
Receive your item with a minimum down payment 

Purchases up to $3,000

Two payments with at least 25% down will be auto-charged to your credit card 30 and 60 days after your item is ready.

Purchases from $3,000 - $7,000

Two or three payments with at least 50% down. Equal payments auto-charged to your credit card. Every 30 days after your item is ready until it is paid in full.

Purchases from $7,000 - $10,000

Two, three or four payments with at least 70% down. Equal payments auto-charged to your credit card. Every 30 days after your item is ready until it is paid in full.

Over $10,000 - email sales@ftjco.com

All amounts are inclusive of applicable taxes.

We can work with you to customize a flexible, regular payment plan.  A $95 set-up charge will be added to your invoice for all of the above plans.

Pay What You Can, When You Can Layaway 
Receive your item when it is fully paid

Deposit of:

  • 10% of total purchase ($500 minimum for Made to Measure items)
  • 10% for Ready to Wear
  • $200 for projects up to $2,000 where we are resetting your diamonds or gems.

After your deposit is made, you may pay what you can, when you can, within an agreed number of months (no more than 6-8 months). There is no interest or admin fees or any extra charges, but your deposit is non-refundable. If your item is not fully paid at the end of the agreed upon term, simple interest at the rate of 0.06333% per day (effective rate of 1.9% per month) will be charged on the outstanding balance.  If you choose to cancel your order, the amount you have paid, less any accrued interest charges, will be held as a store credit for six months from the date of your cancellation.

Available at checkout. Our sales team will be in touch to customize your Layaway plan.

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 about.

Not available at checkout. Available by contacting sales@ftjco.com  



Affirm is a BNPL (Buy Now, Pay Later) company that you can use for longer term financing than we're able to offer with our in-house options. They offer up to 24 months of financing available.

To use affirm add your item(s) to the cart and when you go to checkout, choose Affirm (available for online purchases only).  You will be redirected to the Affirm site and prompted to set-up an account, if you don't already have one, and then answer some questions.  If you're approved for the purchase, you'll be directed back to the FTJCo site where your purchase will be completed.

Please review the Affirm Disclosure Text at the bottom of this page.



Discounts are only available for purchases that are not financed or layaways.

When paying by cash, wire transfer, debit, Interac E-Transfer, or ACH (U.S. only), you have two discount options:

  1. 2% Cash Discount: This applies to the pre-tax total of your order, for both web store and in-store sales. For web store purchases, select "2% Cash Back" as your payment option. For in-store purchases, it's deducted from your invoice.
  2. 5% Store Credit: This credit can be used for future purchases, like wedding bands, repairs, or other items. Additionally, you can combine this with the 2% cash discount, which will be applied to the discounted, pre-tax total after your store credit is used.  Store credits are valid for three years from the date of issue and are not transferable.

(Our discounts and cash back are always rounded up in your favour 😉)


If you have a friend who's shopped at FTJCo you can use their referral code to get $100 off your purchase (on a minimum purchase of $1,000 before tax). When you use their code they benefit, too - they'll receive $50 in store credit once your purchase is paid in full. Find more details about the FTJCo Referral Program here. 



FTJCo accepts various cryptocurrencies based upon our US$ pricing.  Crypto is a little different than standard payment methods, but you probably already know that if you're considering this as payment method. 😀  Learn more here.


Required Affirm Disclosure Text

Payment options through Affirm Canada Holdings Ltd. (“Affirm”). Your rate will be 0–31.99% APR (where available and subject to provincial regulatory limitations). APR offered is based on creditworthiness and subject to an eligibility check. Not all customers will be eligible for 0% APR. Payment options depend on your purchase amount, may vary by merchant, and may not be available in all provinces/territories. Actual payment option terms will be shown at checkout. A down payment (or a payment due today) may be required. Affirm accepts debit cards and PAD as forms of repayment on payment options. Select payment options may be eligible for repayment in the form of credit cards. Please review the terms and conditions of your credit card when using it as a form of repayment. Sample payment options may be: a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR, or 4 interest-free payments of $200 every 2 weeks. For more information, please see https://www.affirm.com/en-ca/how-it-works (opens in a new window).