Making a purchase using our interest free lay-by option is super easy.

If you have your eye set on a special Stella piece of fine jewellery and want flexibility in how you pay for it you can buy it through our interest free lay-by facility.

No credit checks, no applications, no waiting!

You simply pay a 10% deposit and then decide over how many months you wish to pay the balance off with equal installments. Once your order is paid in full, your Stella jewellery will be sent to you as per normal.

Just follow these easy steps:

Step 1: Make your purchase and upon check out, choose to pay via Bank Deposit (EFT).

Step 2: Instead of paying the full purchase amount, only pay a 10% deposit to secure your order.

Step 3: Download this form, complete it and send it together with your proof of payment and a copy of your ID to 

Step 4: Stella will send back the completed lay-by contract and payment schedule to you.

Step 5: As soon as your final installment is received, your Stella jewellery will be dispatched to you.

Terms and conditions:

1. Most of our jewellery is made to order in the size and metal setting you’ve chosen. Once your final down payment has been received your purchase will be delivered to you within 2 - 3 weeks.

2. If you miss an installment by more than 14 days, your payment plan will be adjusted and re-issued.

3. All installments are interest free.

4. If you choose to cancel your lay-by purchase within less than one month of your purchase, your full deposit will be refunded to you.

5. If you choose to cancel after more than one month of your purchase date, your deposit and installments to date will be returned to you, minus a R500 cancellation and administration fee.

6. We regrettably cannot accommodate changes to your order’s size or metal setting once you’ve paid your deposit.