Frequently Asked Questions

What if I want to contact someone?

Please feel free to email us at  Our working hours are 10:00 am to 5:00 pm.  If possible, we will answer your questions outside of these hours.  

What if I don't like my order when it arrives or I change my mind?

No problem. All items in their original condition are returnable per our return policy. Please click here to see our Return Policy.

Are all the gems and metals genuine?

Carmel Fine Silver Jewelry will use its best judgment and experience to describe any stones or metals used in the jewelry. If unsure, we may provide a suggestion as to the stone or metal used. In general, we do not test or certify that materials are genuine. Should you feel that we have inaccurately described a stone, gem, or material, you may return the piece for a full refund, including shipping. 

Does Carmel Fine Silver Jewelry offer layaway? 

Yes, we have two programs that offer extended payment terms.  

  • Shop Pay -- When you choose Shop Pay at checkout, the product ships upon purchase and you can split your purchase into 4 equal payments - with no additional, hidden, or late fees.* To see full details on Shop Pay click here.
  • Layaway -- When you want a bit more time to pay, Carmel Fine Silver Jewelry offers a full layaway program. To see full details on our Layaway Program click here.
 *Payment options are offered by Affirm and are subject to eligibility check and might not be available in all states. California residents: Affirm Loan Services, LLC is licensed by the Department of Business Oversight. Loans are made or arranged pursuant to the California Financing Law license.