Financial Services

Spectrum Fine Jewelry and Spectrum Gallery are happy to offer options to suit your financial needs.

Spectrum Reserve Card Financing

Interest Free Financing

Enjoy the luxury of our 0% deferred-interest financing option, tailored to fit your specific needs, for up to 6 months* on your qualifying purchase of $150 or greater, in addition to the ease of online payments with the Spectrum Reserve Card. The flexibility of our easy financing on your art and jewelry purchases puts more money in your wallet with no money down and no annual fee. Have the peace of mind knowing you can stretch your purchase into monthly payments over time with 0% deferred-interest.

The Spectrum Reserve Card offers:

- A Dedicated line of credit
- Convenient Monthly payments
- Easy to use online bill pay: go paperless!
- No prepayment penalties
- Register your account online to view statements and set-up automatic payments
- $0 liability on unauthorized purchases
- No interest if paid in full within 6 months on any qualifying purchase

    If you are interested in any other promotional offers that may be available for a limited time, please speak to anyone of our associates.

    *0% Financing for 6 Months: No interest will be charged on the 6-month promotional purchase if you pay the promotional purchase amount in full within the promotional period of 6 months. Subject to credit approval and . 6 month special financing offers on qualifying purchases made with the Spectrum Reserve credit card is issued by Citibank, N.A. Minimum monthly payments are required during the special deferred-interest promotional period. If the balance is not paid-in-full by the end of the promotional period, interest will be charged from the purchase date at the variable purchase rate of 29.24% APR (Citibank, N.A. as of December 23, 2015)


    Layaway Program

    Spectrum Fine Jewelry and Spectrum Gallery’s Layaway Program provides you the convenience to pay installments over sixty days with a deposit of 1/3 of the purchase price (including sales tax).  A minimum of one third is due at 30 days and the final balance is due at 60 days from date of original receipt.  Of course any layaway can be completed prior to the final due date with the receipt of payment in full.  

    Layaway defaults:  If no payment is received by 30 days the layaway will be considered “in default” and a statement will be sent.  If payment has not been received by 60 days the layaway will be cancelled at which time the item will be returned to inventory.  Monies paid on a cancelled layaway will be applied as a store credit to your account and will be available for other purchases for one year.  Unused store credits older than 365 days will be forfeit.  All items placed on layaway will remain the possession of Spectrum until they are paid in full.  No item may be released from layaway without payment in full.

    Military Discount

    For your service, bravery, and dedication to our country, we salute you with our active military discount of 10% off all products and services with valid and current government-issued military I.D. - our way of saying “Thank you!”