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 New member Gift Card

A Gift Card just for becoming an HR Luxury account holder!  With your first account purchase, you’ll be gifted up to $100 to use next time!

Rebate Gift Cards

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


VIP jewelry repair pricing

VIP Pricing on jewelry repair services when you use your HR Luxury account.

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!