Get just what you want and pay for it just the way you want.  HR Luxury accounts are your way to custom tailored in-house financing.  Work with our credit experts to create payments that fit your budget.  It only takes a few minutes at any of our locations to get you started.  You’re approved, because you rock. 

Benefits of the HR Luxury Card


Early Payoff Incentive

When you pay off your Luxury Card within 90 days of purchase, we will remove the interest from your final payment amount.

Up to $100 Off

You can earn up to $100* off your first HR Luxury purchase once approved!

Rebate Gift Cards

Each year, just in time for holiday shopping, receive up to $300 back on a rebate gift card.


10% Off Repairs

When you use your HR Luxury Card, you get 10% off all of your jewelry repairs!

Spread the Love

For each friend or family member you refer to open an HR Luxury Account, you get a $20 gift card.  Friendship pays at Harry Ritchie’s!