Payment Plans

Carroll / Ochs makes it easy to plan your purchase months in advance or on a spur of the moment with options like layaway & financing.


Several financing options are available through Synchrony Financial. 
  • No Interest if Paid In Full within 6 or 12 Months.*
  • Fixed Monthly Payments - 9.99% APR for 24, 36, or 48 Months.*
  • Visit to calculate monthly payments, pay bills, and more. 


Carroll / Ochs offers free layaway with flexible payments.
  • Twelve Months to Pay
  • No fees*
  • 10% Initial Down Payment
  • Flexible Payments Once a Month (minimum payment of $10 or 5% of sale; whichever is greater)

Another Way to Pay

Trading-in your unwanted or broken jewelry is a great way to use the value of your old jewelry towards a new purchase. Discover more about our Trade-In programs.  

*Carroll / Ochs may require minimum purchase amounts for Synchrony financing, see store for details. Offer applies only to single -receipt qualifying purchases. Synchrony No Interest if Paid in Full - No interest will be charged on the promo purchase if you pay the promo purchase amount in full within the agreed number of months (6 or 12 months). If you do not pay in full, interest will be charged on the promo purchase from the purchase date. Depending on purchase amount, promotion length, and payment allocation, the required minimum monthly payments may or may not pay off purchase by end of promotional period. Synchrony Fixed Monthly Payments - Interest will be charged on promo purchases from the purchase date at a reduced 9.99% APR, and fixed monthly payments are required equal to X.XX% of the initial promo purchase amount until promo is paid in full. The fixed monthly payment will be rounded up to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Synchrony Financing - Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional balance. For new accounts: Purchase APR is 29.99%. Minimum interest charge is $2. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.

*Layaway accounts exceeding the allowed twelve month payment period may be subject to fees and/or refunded as store credit. Accounts with no activity after three months are restocked and store credit is issued until claimed. Altered merchandise is subject to service fees if work done. New layaways only. Specific items may be exempt from layaway.