Financing & Lease-to-Own
Wear it today.
Pay over time.
Choose a payment plan when you check out online, or visit our Bakersfield store for in-store financing with the Synchrony Luxury Credit Card. You'll always see your terms before you commit.
Compare
Your options at a glance
| Option | How it works | Cost | Where |
|---|---|---|---|
| Shop Pay Installments | 4 interest-free payments every 2 weeks, or monthly plans for larger orders | Pay in 4: 0% APR Monthly: 0–36% APR |
Online |
| PayPal Pay Later | Pay in 4 every 2 weeks, or Pay Monthly over 3 to 24 months on purchases up to $10,000 | Pay in 4: interest-free Pay Monthly: 0–35.99% APR |
Online |
| Acima Leasing | Lease-to-own with approvals up to $5,000. Own it in 12 to 24 months, or buy it out early | Not a loan, no APR. Leasing costs more than the cash price | Online & in store |
| Progressive Leasing | Lease-to-own with 12 months to ownership and a 90-day purchase option | Not a loan, no APR. Leasing costs more than the cash price | Online & in store |
| Synchrony Luxury Credit Card | A credit card for jewelry and watches, with promotional financing on qualifying purchases when offered. Apply online or in store | Subject to credit approval. 34.99% standard purchase APR for new accounts | In store |
At online checkout
Pay over time
Split your purchase into smaller payments right at checkout. There's nothing to fill out ahead of time: pick your plan when you pay, and you'll see your exact payments before you confirm.
Shop Pay Installments
OnlinePay in 4 interest-free payments, or choose a monthly plan.
- Pay in 4: 4 interest-free payments every 2 weeks on eligible orders under $1,000
- Monthly plans: fixed monthly payments on orders of $150 and up, rates from 0–36% APR
- Real-time decision with no hidden or late fees
- Manage payments in the Shop app
At checkout, choose Shop Pay, then Pay in installments.
PayPal Pay Later
OnlinePay in 4 interest-free payments, or Pay Monthly on bigger purchases.
- Pay in 4: 4 interest-free payments every 2 weeks, with the first one at checkout
- Pay Monthly: 3, 6, 12 or 24 monthly payments on purchases up to $10,000, $0 down
- No sign-up or late fees
- Manage payments in your PayPal account
At checkout, choose PayPal, then Pay Later.
No credit needed*
Lease-to-own
Lease-to-own is not a loan or credit, so there's no APR. You make lease payments on a schedule that matches your payday, and you can buy the piece out early. Apply online in minutes, right at checkout, or in our store.
Acima Leasing
Online & in storeLease approvals up to $5,000.
- Own it in 12 to 24 months, or buy it out early at a discount
- 90-day early purchase option (3 months in California)
- Payments scheduled around your payday
- Decision in minutes
Apply now to see your approval amount, then choose Acima at checkout or visit our store to sign your lease.
Progressive Leasing
Online & in store12 months to ownership.
- No credit needed*
- 90-day purchase option (3 months in California)
- Weekly, bi-weekly or monthly payments
- Decision in minutes
Apply now to see your approval amount, then choose Progressive Leasing at checkout or visit our store to sign your lease.
The lowest-cost way to own is the 90-day purchase option. Leasing for the full term costs more than our cash price, so paying off early within 90 days saves the most.
Online
How to use a plan at checkout
-
Add your piece
Find what you love and go to checkout.
-
Pick how to pay
Choose Shop Pay, PayPal, Acima or Progressive Leasing as your payment method.
-
Get a quick decision
Review your plan or lease, confirm, and we'll get your order ready.
Apply online · Use in store
Synchrony Luxury Credit Card
Apply online in minutes, then use your card for purchases at our Bakersfield store. Already shopping with us in person? Ask our team to check if you prequalify, in seconds and with no impact to your credit score.
Synchrony Luxury
Use in storeA dedicated credit line for jewelry and watches.
- Prequalify in store with no impact to your credit score
- Promotional financing on qualifying purchases when offered. Ask us about current offers
- No annual fee and $0 fraud liability
- Use it again at more than 4,000 jewelry retailers nationwide
- Manage your account 24/7 online or in the MySynchrony app
Visit the store
Apply for Synchrony Luxury, or complete an Acima or Progressive lease, with our team in person.
- Address
- 2105 Edison Hwy, Space 6
Inside Mercado Latino
Bakersfield, CA 93305 - Hours
- Open every day, 10am – 7pm
- Phone
- 661-861-8414
Questions
Financing FAQ
Which option is right for me?
- Want to avoid interest on a smaller purchase? Pay in 4 with Shop Pay or PayPal.
- Want fixed monthly payments on a bigger piece? A Shop Pay monthly plan or PayPal Pay Monthly.
- Limited or no credit history? Lease-to-own with Acima or Progressive Leasing.
- Shopping in our store and want a card you can use again? The Synchrony Luxury Credit Card.
Will applying affect my credit score?
It depends on the option. Shop Pay's Pay in 4 doesn't affect your credit score, and PayPal may use a soft credit check that won't affect it either. Monthly plans can be reported to credit bureaus. Acima and Progressive Leasing may get information from credit bureaus when you apply. Prequalifying for Synchrony Luxury in our store has no impact on your credit score. Each provider explains its check before you submit.
What do I need to apply for lease-to-own?
Usually you'll need to be 18 or older and have a Social Security number or ITIN, an active checking account, a steady source of income and a debit or credit card. Acima and Progressive Leasing each set their own requirements, and not all applicants are approved.
Can I use financing in the store?
Yes. In our Bakersfield store you can apply for the Synchrony Luxury Credit Card (or apply online first), or apply for and complete an Acima or Progressive lease with our team. Call 661-861-8414 if you'd like us to have a piece ready.
What happens if I return something I financed?
Returns follow our return and exchange policy. If your return is approved, the refund goes back through the provider you paid with, which updates or closes your plan or lease. Personalized, custom, engraved and resized pieces are final sale.
Who do I contact about my payments?
Your plan or lease is with the provider, so payments are managed with them: Shop Pay Installments in the Shop app, PayPal Pay Later in your PayPal account, Acima or Progressive Leasing in their apps or online accounts, and Synchrony Luxury in your Synchrony account or the MySynchrony app. For anything about your order, contact us.
We're here to help
Not sure which option fits?
Call or stop by and our team will walk you through it. We're open every day, 10am – 7pm.
All payment options are subject to an eligibility check and approval by the provider. Your actual plan, rate and payments are set by the provider when you apply. Elizalde Jewelers is not the lender or lessor.
Shop Pay Installments: Rates from 0–36% APR. Payment options through Shop Pay Installments are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. State notices to consumers: affirm.com/licenses.
PayPal Pay Later: Pay in 4 is available upon approval and is not currently available to residents of MO. Pay Monthly is a consumer loan issued by WebBank, subject to consumer credit approval and eligibility, with a fixed APR of 0–35.99% based on purchase amount and creditworthiness; not available to residents of AK, CT, HI or WA. Applicants must be 18 or older. See PayPal terms.
*No credit needed: lease providers may obtain information from consumer reporting agencies. Not all applicants are approved.
Acima: The advertised transaction is a rental-purchase agreement (rent-to-own agreement, consumer rental-purchase agreement or a lease/lease-purchase agreement, depending on your state) with Acima. Ownership is optional. You will not own the merchandise until the total amount necessary to acquire ownership is paid in full or you exercise your early purchase option. Acquiring ownership by leasing costs more than the retailer's cash price. "Approvals up to $5,000" refers to the maximum amount Acima will spend to acquire goods from a retailer for lease to you. Not available in MN, NJ, WI or WY.
Progressive Leasing: The advertised service is lease-to-own or a rental- or lease-purchase agreement provided by Prog Leasing, LLC, or its affiliates. Acquiring ownership by leasing costs more than the retailer's cash price. No credit needed: Progressive Leasing obtains information from credit bureaus. Not all applicants are approved. Standard agreement offers 12 months to ownership. 90-day purchase options cost more than the retailer's cash price (except 3-month option in CA). Not available in MN, NJ, VT, WI or WY.
Synchrony Luxury Credit Card: Issued by Synchrony Bank. Subject to credit approval. Minimum monthly payments required. Promotional financing offers vary and are available at the time of purchase; ask our team for details. For new accounts as of 7/31/2025: Purchase APR is 34.99%, Penalty APR is 39.99% and the minimum interest charge is $2. Existing cardholders should see their credit card agreement for their applicable terms.
