We have partnered with Klarna so you can purchase an item outright in installments via the item page, as well as through Shop Pay Installments and PayPal Installments at checkout. In addition, we are happy to offer layaway plans for items that have been listed on the site for at least 24 hours.

In order to set up a plan with Kota Jewelry directly, we require a 25% deposit and offer up to 2 total months to complete all payments for items up to $499 and 4 total months for items $500 and up. You will be emailed an invoice in which you may choose the amount and frequency in which you make payments, so long as it is within the agreed term or sooner.

If you need to modify your payment plan, please contact us at as we are always happy to help.

You are responsible for completing your payment within the layaway term. In the event of a default, you will have a 14-day grace period to complete the layaway before the item is released back into our inventory and all payments are forfeited. Should you decide to cancel your layaway order, all payments made will be forfeited.

If you wish to change your plan and apply the payments made as credit towards another item, we would be happy to arrange that for you. You may swap out your layaway item one time. After that, the second change will incur a 15% restocking fee of the last item's purchase price.

For layaways paid via PayPal invoice, we will use the address on PayPal for shipping unless told otherwise. Please make sure your PayPal address is up-to-date as we are not responsible for items not received/sent back to us due to a wrong address.

We will ship the item once the item has been paid in full! 

If you are interested in starting a layaway for an item, please contact