Frequently Asked Questions

Our most common questions

All merchandise is shipped Priority Mail through the U.S.P.S or ground service through UPS. All orders going to FPO/APO, ALASKA, HAWAII and other military addresses are shipped PRIORITY MAIL. Generally it takes 2 weeks for processing, shipping and delivery. Some orders may arrive earlier in 7-10 days depending on merchandise ordered and ring sizes requested. Occasionally we can fulfill an overnight express service order for an additional fee, which must be paid for at the time of the order, usually by credit card. We do our very best to fulfill orders promptly and ship as soon as possible.

If the merchandise is being shipped to any state where we have a retail location (see locations) or where it is required by law, sales tax must be added.

$25 is the standard fee for Shipping and Handling. Expedited Shipping and Handling is available for an additional charge. Teddy bears shipped to a different location than your jewelry order will incur a separate fee. (You will always be notified of any additional charge before your order is finalized by our sales department.)

It is based on the total amount of the purchase. Minimum Terms are 3 Months. Maximum Terms are 21 Months for online purchases and 22 Months for purchases made in stores†.  The number of months is as follows:

MONTHS  Minimum Monthly Payment

 3–16         $100

17–18        $125

19–20        $150

21–22†       $160

Please note that a $100 minimum monthly payment ($50 per payday) is required on any new account purchase, regardless of the total purchase.

The annual interest rate is 14.99%.

If you are making your first purchase with Harris Jewelry, you will be eligible for a FULL rebate of all finance charges paid on that purchase when it is paid in full and if ALL payments are made on time. Please note that due to PCS, training and deployments, Harris will not automatically issue rebate checks. You must complete a Finance Charge Rebate Request Form, call 1-800-989-7732 or visit a Harris location to request your rebate check and verify your mailing address.

Free Gift Wrapping is always available. Free Greeting Cards may be available. Please ask your sales associate for options.

We are very committed to protecting your PRIVACY. Harris Jewelry will never disclose personal information for the purposes of solicitation. In addition, your email address is never sold to another company.

Please Click Here to read our complete privacy policy.

Yes, we report all account credit history to all three major credit bureau services.

When applying in person at one of our stores, Active Duty Military may be approved up to $3,300. Military Retirees, Government Employees, National Guard, Reservists and Medically Discharged may be approved up to $2,500. A down payment may be required.

When applying online, Active Duty Military may be approved up to $3,300 with a mandatory 10% down payment. Please be aware that online purchases may have additional down payment requirements and restrictions.

Harris offers an exclusive credit purchasing program just for Service Members. As part of our First Time Buyer Benefit, you are eligible to receive a rebate of all finance charges paid when your first purchase is paid in full with all payments made on time.

For future purchases, the Harris Military Appreciation Program (MAP) grants you discounts based on the amount paid into your account over time, including down payments. Most repeat Harris customers have a discount level of 10-25% on their future purchases. For complete details on the Military Appreciation Program, click here.