Welcome to Discount Fashion Online. Sorry No we dont do Layaway, No Installment Price is Firm. 100% 21C gold “875” chain equivalent, Mark stamp and tested, Good weight good size but hollow inside chain. All Jewelry comes with box. The 21c has a 87.5% percent purity is softer and more malleable than 14K gold. Very pretty in person This can be a Great for gift. Please keep in mind all items may appear larger than actual size in the photos. All items comes with box (not Display Box). All items will come with company DiscountFashionOnline tag attached. Yes you can have the item check in accredited Jewelry shop ONLY & NOT in pawnshop if in doubt of authenticity. Please do not TEST the item your self have professional do it with certificate issue. Please Do not Removed tag, USED, Damaged, Broke, Altered the item and return to us. Remember We dont sell Fake, Plated or Filled. So please inspect it first everything before removing the tags. Happy shopping and Enjoy your Jewelry.