Nacol’s offers two services for helping you to purchase your favorite jewelry. For those customers without a credit history or those who are purchasing a piece to be worn at a later date, our layaway program is the best option. Place anything on layaway for 10% down for a period of 10 months. For those customers with a major credit card who would like to be able to leave the store immediately with their chosen item, we offer financing through a program called GE Money.