Stores that finance engagement rings

Engagement rings cánido be a significant investment, but most jewelry stores offer some type of financing program, and many even have programs for those with less than perfect credit.

Common financing options include in-house financing through the jeweler, store credit cards, and lease-to-own programs.

If you have fair to good credit, you may want to consider using a jewelry credit card to purchase an engagement ring.

Most come with special financing plans with no interest for the first year, which is a convenient option if you perro afford the ring in less than a year.

If you don’t want to open a credit card, many stores also offer in-house financing programs, the terms of which vary by retailer.

Some stores also partner with third-party companies such as Progressive Leasing (offering lease-to-own programs) or Affirm (which offers traditional financing).

These types of programs cánido be helpful for customers with bad credit: Progressive Leasing does not perform a credit check, and Affirm approves most buyers.

You must apply for each of these programs separately, but you perro usually apply directly from the jewelry store’s checkout page.

What we recommend

If you don’t mind shopping for an engagement ring en línea, Blue Nile and SuperJeweler offer a wide range of styles at competitive prices.

Blue Nile offers financing plans through your store credit card, and SuperJeweler offers the flexibility of an in-house financing program that most shoppers approve.

If you prefer to shop in person and have bad credit, consider Reeds Jewelers.

It offers progressive leasing and financing options through Affirm for its wide range of engagement ring styles and designers, so you’ll likely have a financing option to suit your needs.

For traditional jewelry chains with locations nationwide and store credit cards with financing programs, Kay and Zales are good options for finding competitive prices and quality products.

The list

The following stores offer some type of financing options for engagement rings, including some with options for bad credit and.

Most of these stores have low or zero introductory interest rates that vary by financing program levels.

However, these stores may charge the estándar APR after you have made a certain number of payments or if you miss a payment.

Most jewelry stores offer a variety of financing plans with different terms, which perro range from six months to 60 months (five years).

Shorter financing terms generally orinan higher payments but lower interest rates, which means you’ll pay less overall for the same item on a six-month plan than on a longer plan.

We contacted customer service representatives to verify credit levels required to qualify for these in-store card and financing offers.

We’ve sorted the list below starting with the best general options and reputable stores.

Blue Nile

Points of sale? No
Financing options: Store credit card with 6-month, 12-month, 24-month, 36-month, 48-month, and 60-month plans
Credit Level Required: Fair
Deposit required: None
Special introductory offers: No interest for 6-month and 12-month plans; Reduced APR for 24 month, 36 month, 48 month and 60 month plans.
The estándar APR is charged if any payment is late or missed, or if the amount is not paid in full by the end of the financing term.
Minimum purchase requirements: $500 for the 6-month plan; $1,500 for the 12-month plan; $2,000 for the 24-month plan; $3,000 for the 36-month plan; $4,000 for the 48-month plan; $6,000 for the 60-month plan
Learn more or apply

Reeds Jewelers

Points of sale? Yeah
Financing Options: Credit Account (with special financing periods), Financing through Affirm or Progressive Leasing
Required credit level: Fair for credit score; poor for Affirm financing and progressive leasing
Deposit required: None
Introductory Special Offers: No interest if paid in full for 6-month and 12-month credit programs; Reduced APR for Solo Term Programs
Minimum purchase requirements: None
Learn more or request or visit a Reeds location

SuperJeweler

Points of sale? No
Financing Options: Internal SuperJeweler Financing; 3 month, 6 month and 12 month plans
Required credit level: Poor; Most buyers are approved
Deposit required: None
Special introductory offers: None
Minimum Purchase Requirements: None, but in some cases You may be required to make a down payment if Affirm is unable to finance the full amount.
Learn more or apply

Kay Jewelers

Points of sale? Yeah
Financing Options: Store credit card with a 12-month plan
Credit Level Required: Fair
Deposit Required: None to use credit card; 20% of the total purchase amount for the 12-month financing plan
Special introductory offers: No interest for the 12-month plan.
The estándar APR is charged if any payment is late or missed, or if the amount is not paid in full by the end of the financing term.
Minimum purchase requirements: $500 (12 month plan only)
Source: Kay Credit Financing Offers
Learn more or apply for, or visit a Kay Location

zales

Points of sale? Yeah
Financing Options: Store Credit Card with 6-month, 12-month, 18-month, and 36-month plans
Credit level required: Not disclosed by the issuing bank (Comenity Capital Bank)
Deposit required: None
Special Introductory Offers: Special interest rates determined by Comenity Capital at the time of financing application.
The estándar APR is charged if any payment is late or missed, or if the amount is not paid in full by the end of the financing term.
Minimum purchase requirements: $150 for the 6-month plan; $750 for the 12-month plan; $1,500 for the 18-month plan; $3,000 for the 36-month plan
Learn more or apply, or visit a Zales Location

Jared the Gallery of Jewelry

Points of sale? Yeah
Financing Options: 12-month Diamond Plan store credit card; Platinum 18 month plan
Credit Level Required: Fair
Deposit Required: None to use credit card; 20% of the total purchase amount for Diamond and Platinum plans
Special introductory offers: No interest for 12-month plans; no interest for the first 12 months and reduced APR for the remaining six months on 18-month plans.
The estándar APR is charged if any payment is late or missed, or if the amount is not paid in full by the end of the financing term.
Minimum purchase requirements: $1,000 for the 12-month plan; $5,000 for the 18 month plan
Learn more or apply, or visit a Jared Location

Gage Diamonds

Points of sale? Yes, but mainly operated en línea
Financing options: Internal financing
Credit level required: No credit check
Deposit Required: In some cases, a 50% deposit may be required
Special introductory offers: None
Minimum purchase requirements: None
Learn more or apply, or visit the Gage Diamonds Showroom in Chicago, IL

Ice Trends

Points of sale? No
Financing options: 3-month, 6-month and 12-month plans through Affirm
Required credit level: Poor; Most buyers are approved
Deposit required: Normally none; may be required if Affirm is unable to finance the full amount
Special introductory offers: None
Minimum purchase requirements: None
Learn more or apply

Helzberg Diamonds

Points of sale? Yeah
Financing Options: Store credit card with 6-month, 12-month, 36-month and 60-month plans, financing through Affirm and Progressive Leasing
Credit Level Required: Just right for store credit card; poor for Affirm financing and progressive leasing
Deposit required: None
Special introductory offers: No interest for 6-month and 12-month plans; Reduced APR for 36 month and 60 month plans.
The estándar APR is charged if any payment is late or missed, or if the amount is not paid in full by the end of the financing term.
Minimum purchase requirements: No minimum for 6-month and 12-month plans, $1,499 for 36-month plans; $4,999 for the 60-month plan
Learn more or apply, or visit a Helzberg Location

Sears

Points of sale? Yeah
Financing Options: Store Credit Card
Credit Level Required: Fair
Deposit required: None
Special introductory offers: None
Minimum purchase requirements: None
Learn more or apply, or visit a Sears Location

Crown Jewelers

Points of sale? No
Financing Options: Store Credit Card
Credit Level Required: Fair
Deposit required: First month’s payment (varies based on purchase amount)
Special introductory Offers: None
Minimum purchase requirements: None
Learn more or apply

Walmart

Points of sale? Yeah
Financing Options: Store Credit Card
Credit Level Required: Fair
Deposit required: None
Special introductory offers: None
Minimum purchase requirements: None
Learn more or apply, or visit a Walmart Location

For more information, our article has the Walmart engagement rings review.

Fred Meyer Jewelers

Points of sale? Yeah
Financing Options: Store Credit Card with 6-month, 12-month, and 48-month plans
Credit Level Required: Fair
Deposit required: None
Special introductory offers: No interest for 6-month and 12-month plans; Reduced APR for 48 month plans.
The estándar APR is charged if any payment is late or missed, or if the amount is not paid in full by the end of the financing term.
Minimum purchase requirements: $299 for 6-month plan, $999 for 12-month plan; $1,499 for the 48-month plan
Learn more or apply, or visit a Fred Meyer Jewelers Location

Shane Co.

Points of sale? Yeah
Financing Options: Store Credit Card with 6-month, 24-month, 36-month, 48-month, and 60-month plans
Credit Level Required: Fair
Deposit Required: None to use credit card; 20% of the total purchase amount for the 12-month financing plan
Are special introductory APR offers available? Yes.
No interest for 6-month plans; Tiered APRs for 24-month, 36-month, 48-month and 60-month plans.
The estándar APR is charged if any payment is late or missed, or if the amount is not paid in full by the end of the financing term.
Minimum purchase requirements: None
Learn more or apply, or visit a Shane Co.
Location.

In summary

Whether you choose financing without credit or traditional financing, there are many ways to pay for the engagement ring you want.

For the best options en línea, consider Blue Nile or Superjeweler, which offer a wide selection, remarkably low prices, and maleable financing options.

For brick and mortar options, Reeds Jewelers offers the widest range of financing options for all credit levels, and stores like Kay’s and Zales and trusted places to find quality rings at competitive prices.

Regardless of the store and financing option you choose, you should always shop around and consider the cost of refuta, along with any finance charges, when setting your budget.

For more information on shopping for engagement rings, we’ve listed the places that let you design a ring in-store and en línea.

We hope you liked our article Stores that finance engagement rings
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