James M.

I have purchased three times already with GemsNY. I made my second purchase using installment plan and just finished paying off for it yesterday. I have to tell you that besides their ridiculously low prices this is something which easily breaks them apart from their competition. I didn't need to give any personal information such as social security number or copy of dirver license to qualify for the plan. Also the plan is very simple to use. My ring was for $2250 and I had to pay initially 50% down payment so $1125. The rest of the $1125 they broke it up into three equal installments which were due every two months with no interest charged. I received an email notification ten days and one day before of the due date of each installment. My card was charged automatically on the specified date and I received a confirmation the same day. The only thing they can improve on this plan is that they only offer it for items over $750. That is fine for some major purchase but the smaller items I am not able to use it.