Question: Does Zales Offer Payment Plans?

Does Zales offer financing?

Zales | The Diamond Store If you want to consider a No Credit Needed* option that offers you the possibility to take your piece of jewelry home today, we offer a Lease Purchase Program through Progressive Leasing..

What credit score does Zales require?

630 creditZales Credit Card is a great Credit Card if you have fair credit (or above). Their APR is quite high (above 20%). If you’re looking to apply, we recommend at least a 630 credit score. If you’re not sure what your Credit Score is, apply for a report, here.

What credit score does Kay Jewelers require?

A FICO credit score of 604 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval.

Does Zales finance bad credit?

Approval Requirements & Application Although store credit cards are often easier to obtain than open-loop cards, there is no evidence that the Zales Credit Card accepts bad-credit applicants. Instead, you’ll likely need at least fair credit or better to qualify.

What bank is Zales credit card?

Comenity Capital BankThe Diamond Credit Card Accounts are issued by Comenity Capital Bank.

What is the easiest jewelry store to get credit from?

The easiest jewelry credit card to get is pretty much any jewelry credit card, including those from Helzberg Diamonds, Iddeal Jewelry, and Zales. You have about the same chance of getting all of them because they all are store cards that require fair credit (640+) for approval.

Does Kay Jewelers do layaway?

Layaway plans at Kay Jewelers are for in-store purchases only. Customers put 20 percent down then make regular monthly payments based on the purchase price of the ring. You can cancel the plan anytime for a full refund, including the down payment.

Is it hard to get approved for Kay Jewelers card?

Getting a Kay Jewelers Credit Card For starters, a good credit score generally helps you get approved for a lower interest rate. Also, your Kay Jewelers credit card application, like any credit card application, can generate a hard inquiry, which can ding your score—so you don’t want to apply if you won’t qualify.

Can I finance a ring with bad credit?

Yes, you can! Plus, bad credit engagement ring financing typically covers other jewelry purchases as well. You should be aware that with any subprime or secondary financing, rates and terms might be less forgiving than a traditional bank loan, but some options are better than others.

What jewelry stores approve bad credit?

16 Jewelry Stores With Easy Credit Approval (Some for No/Bad Credit)Blue Nile.Reeds Jewelers.SuperJeweler.Kay Jewelers.Zales.Gage Diamonds.Ice Jewelry.Jared the Galleria of Jewelry.More items…•

Are Kay diamonds real?

Kay Jewelers operate primarily as a chain mall-based jewelry store. … When it comes to the actual quality of the diamonds and engagement rings sold by Kay Jewelers, they do not meet the mark of online jewelers, as well as many other brick and mortar jewelry stores.

Where can I buy an engagement ring with bad credit?

Jewelry Store Financing for Bad CreditHelzberg Diamonds. Helzberg Diamonds strives to, as its website says, “create moments that last a lifetime.” The jewelry store can help you find payment options that allow you to take home the perfect engagement ring. … Gage Diamonds. … Crown Jewelers.

Is Zales credit easy to get?

The easiest jewelry credit card to get is pretty much any jewelry credit card, including those from Helzberg Diamonds, Iddeal Jewelry, and Zales. You have about the same chance of getting all of them because they all are store cards that require fair credit (640+) for approval.

Should I take out a loan for an engagement ring?

Pay for your engagement ring. Personal loans can be an effective financing choice for people who can’t save up to buy a ring in cash and who may not qualify for a financing option with a 0% APR introductory period or who need a longer repayment period.

Is 10k a lot for an engagement ring?

General Rule: You should spend at least 2 months salary on the engagement ring. If, for example, you are making $60,000 per year, you should spend $10,000 on the engagement ring.

Does Tiffany have a payment plan?

Does Tiffany offer financing or payment plans for engagement ring purchases? … We offer Tiffany Select Financing, which provides interest-free financing for all engagement rings, for U.S. customers only.

Do jewelry stores do payment plans?

All major jewelry stores offer financing, with many promoting interest-free financing for 6 to 12 months. But these offers come with a catch: miss a payment or fail to pay off the balance in time, and you’ll pay a lot more. … That means an extra 6 to 12 months of interest will be added to the balance you owe.

Does Kay Jewelers have payment plans?

Most major jewelers offer financing plans, some of which feature 0% interest for a limited period of time. … Kay Jewelers offers 12 months interest-free. Blue Nile offers no-interest financing for six and 12 months, or equal payments for 24, 36 or 48 months at 9.9% (the time period depends on the amount financed).

Can you do payment plans on wedding rings?

Can you finance an engagement ring? You do have the option of financing a ring with a loan arranged through your jeweler. … Depending on the price of the ring, consumers enjoy 0% APR for the first six, 12 or 18 months after purchasing. If you choose a longer payment plan, with equal payments, there’s a 9.99% APR.

How do I make a payment to Kay Jewelers?

The Kay Jewelers payment phone number is 855-506-2499. Standard payments by phone are free, but you might be charged a $15 fee to make an expedited phone payment. When you reach a phone rep, you’ll have to provide identifying information for your account, such as your account number or your Social Security number.

Is Blue Nile legit?

Blue Nile has an impeccable reputation. Consumers can rest assured that Blue Nile is the place to find any diamond jewelry. You will even see consumers buying stunning $50,000 engagement rings from Blue Nile. Blue Nile’s reputation as the leader in the online market has made them an ideal place to buy diamonds.