Zales offers a No Credit Needed* Lease Purchase Program through Progressive Leasing that provides the option to take your jewelry home today.
How does it work?
3 easy steps and you could walk out of our store with the sparkling jewelry of your dreams — or finalize your online transaction and know it is on its way!
Apply in-store or
online for an
or your local
store to shop.
Sign your lease
agreement, make your $79
initial payment†, and take
your jewelry home or
have it shipped to you.
Start paying your lease
off. Once you have made
your last payment, you
will own your favorite
piece of jewelry!
The advertised service is a lease-to-own, or a rental, or a lease-purchase agreement provided by Prog Leasing, LLC, or its affiliates. Acquiring ownership by leasing costs more than the retailer’s cash price. Leasing available on select items at participating locations only. Not available in MN, NJ, VT, WI, WY.
*No Credit Needed: Progressive Leasing obtains information from credit bureaus. Not all applicants are approved.
**90-Day Purchase Option: Standard agreement offers 12 months to ownership. 90-day purchase options cost more than the retailer's cash price (except 3-month option in CA).
† Regular $79 initial payment (plus tax) is charged at lease signing. Remaining lease payments will be determined upon item selection. Remaining lease payments will be determined upon item selection.
To purchase early call 877-898-1970.
Why A Lease?
Things to consider when looking into a lease.
- No Credit Needed*
- Alternative to using a credit card
- Requires an initial payment of $79†
- Acquiring ownership by leasing costs more than
the retailer’s cash price
- Easy application process
- Affordable lease to own payments
- 90-day purchase option** available
- Take your item home the same day or schedule delivery
- You do not own the merchandise until it is paid in full
- FAQs Click Here
Ready to apply?
You will need:
- To be 18 years or older
- A social Security Number or ITIN
- A bank routing and account number for an open and active checking account
- An active credit or debit card number
You Deserve More Options
When you find that jewelry store design that speaks to you, you have to get it. We offer a variety of payment options that make getting it easy.
Frequently asked questions
Once paid in full, you own it. Progressive Leasing is the owner of the item(s) until all scheduled payments are made or you exercise an early purchase option by calling 1-877-898-1970. At that time ownership will transfer to you. Regularly scheduled payments are still due even if you intend to exercise an early purchase option.