At Gem- Array Jewellers we understand that purchasing jewellery at the best of times can be a little daunting so to help you we offer several different finance options. One being the traditional Lay By (which we still offer) plus ZIP PAY and ZIP MONEY, These options help make it easier and affordable to purchase the jewellery of your dreams.Visa, MasterCard and American Express are also available. We also offer FREE SHIPPING for any orders over $100. Please note this price may be subject to change.