The Lease Purchase Program

is a no credit needed alternative that allows you to own the merchandise once you make all of the scheduled payments or complete an early buyout option.

How it Works

  • Apply online for an instant decision
  • Receive your maximum approval amount
  • Visit any of our Zales stores to shop for the merchandise*
  • E-sign the lease agreement and receive the merchandise
  • Pay off your lease with flexible payments, the 90-day payment option or other early buyout plans

  • *Service described is a rental – or lease-purchase program provided by Prog Leasing, LLC or its affiliates. Not all applicants are approved. See lease for details. Program not available in MN, NJ, VT, WI, WY.

You Need the Following to Apply

  • Must be 18 years or older
  • Social Security Number or ITIN
  • Routing and account number for an open and active checking account
  • Credit or debit card