No Credit Needed
There's no credit needed** to apply for the lease-to-own purchase option.
No Credit Needed
There's no credit needed** to apply for the lease-to-own purchase option.
Instant Decision
Complete your application for an instant decision
Flexible Payments
Flexible weekly, bi-weekly, or monthly payment options make it simple to use.
90-Day & Early Purchase Options**
Save money when you pay off your lease early using our 90-day and early purchase options.
Apply Now
**Standard agreement offers 12 months to ownership. 90-day and other early purchase options cost more than the retailer's cash price (except 3-month cash option in CA). To purchase early or to cancel lease you must call 877-898-1970. Retailer cannot activate early purchase options.
How Does It Work?
Three 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's on its way!
Step 1
Apply in-store or online for an instant decision.
Step 2
Visit Zales.com or your local store to shop.
Step 3
Sign your lease agreement, make your $79 initial payment1, and take your jewelry home or have it shipped to you.
Step 4
Enjoy automatic payments and manage your lease online with Progressive Leasing or call 877-898-1970 to set up an early purchase option.
Why a Lease?
Things to consider when looking into Affirm:
- No credit needed* and no hidden fees
- $79 initial payment1
- Flexible weekly, bi-weekly and monthly payment schedules
- Own your items in 12 months or less
- Save on your lease with the 90-day and early purchase options**
- Available for online and in-store purchases
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
Apply Now
Ownership by rental/lease agreement with Progressive Leasing costs more than the retailer’s cash price. Select items only. At anytime, you may purchase early or return merchandise and cancel lease. Not available in MN, NJ, WI.
*Progressive Leasing obtains information from credit bureaus, but a credit history is not required. Not all applicants are approved.
**90-Day Purchase Option - Standard agreement offers 12 months to ownership. 90-day and other early purchase options cost more than the retailer's cash price. (except 3-month option in CA). To purchase early or to cancel lease you must call 877-898-1970. Retailer cannot activate early purchase options.
1Regular $79 initial payment (plus tax) is charged at lease signing. Remaining lease payments will be determined upon item selection.
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.
FAQs
The Lease-to-Own Program from Progressive can be a great way to get what you want right now. Progressive offers a simple lease-to-own program. If you complete all standard recurring auto-lease payments or exercise an early purchase option, you will own the product(s).
Standard agreement offers 12 months to ownership. 90-day and other early purchase options cost more than the retailer's cash price (except 3-month option in CA). To purchase early or to cancel lease you must call 877-898-1970. Retailer cannot activate early purchase options.
Standard agreement offers 12 months to ownership. 90-day and other early purchase options cost more than the retailer's cash price (except 3-month option in CA). To purchase early or to cancel lease you must call 877-898-1970. Retailer cannot activate early purchase options.
It depends. Applicants are evaluated on an individual basis and Progressive looks at many data points, including credit information, income, and banking history to determine approval amounts. These data points will indicate whether a Progressive Lease would be a good fit and, if so, the approval amount.
No, Progressive does not charge an application fee or processing fee. Your initial payment will be made using the credit or debit card you consent to be charged in the lease-to-own agreement. This is the first payment for your lease and is part of the 12-month lease-to-own total. If you are not approved, you will not be charged anything.
During you lease signing, you agree for payments to be deducted automatically from your bank account and/or charged to your card you provided during the application process. Charges will appear on your statement as Progressive Leasing or Prog Lease, not the store where you selected your items.
Contact a Progressive Leasing customer service representative at 1-877-898-1970. Customer service representatives are available Monday through Friday from 8 a.m. to 5 p.m. (MST), on Saturdays between 8 a.m. and 4 p.m. (MST), and are not available on Sundays. You may also access your account online via the customer portal anytime at https://myaccount.progleasing.com/.
No, but you will receive a letter welcoming you to Progressive Leasing with basic information about your lease –to-own agreement, including your payment amount and frequency, 12-month lease-to-own total and early purchase options. Your account can also be accessed online 24 hours a day 7 days a week at: https://myaccount.progleasing.com/.
Standard agreement offers 12 months to ownership. 90-day and other early purchase options cost more than the retailer's cash price (except 3-month option in CA). To purchase early or to cancel lease you must call 877-898-1970. Retailer cannot activate early purchase options.
Standard agreement offers 12 months to ownership. 90-day and other early purchase options cost more than the retailer's cash price (except 3-month option in CA). To purchase early or to cancel lease you must call 877-898-1970. Retailer cannot activate early purchase options.
Yes. You can purchase the product at any time. You can take advantage of a 90-day purchase option (3-month purchase option in CA) as provided in your lease-to-own agreement. This is the least expensive lease-to-own purchase option and expires 90 days (3 months in CA) after your item(s) are delivered. After this option expires, you can exercise an early purchase option for less than the total of remaining 12-month lease-to-own total, as described in your lease agreement.
Standard agreement offers 12 months to ownership. 90-day and other early purchase options cost more than the retailer's cash price (except 3-month option in CA). To purchase early or to cancel lease you must call 877-898-1970. Retailer cannot activate early purchase options.
Standard agreement offers 12 months to ownership. 90-day and other early purchase options cost more than the retailer's cash price (except 3-month option in CA). To purchase early or to cancel lease you must call 877-898-1970. Retailer cannot activate early purchase options.
To return your item, contact Progressive Leasing customer service at (877) 898-1970. Progressive will evaluate the product to determine the proper course of action. The item could be returned through the retailer you select or sent directly to Progressive. You can cancel your lease at any time. You have the right to return the items to Progressive Leasing without additional charge or penalty, and you will owe nothing further except unpaid lease-to-own costs. To cancel your lease call us at (877) 898-1970.
Yes. There are several items that cannot be leased through Progressive, including some warranties (unless approved by state law), repairs, gift cards, trade-ins and ring sizing.
Because we do not know what items you will select, we cannot yet tell you your recurring auto-payment amount, 12-month lease-to-own total, payment schedule, etc. These details will be in your lease-to-own agreement, which will be emailed to you after you apply, get approved, and select your items. You’ll have an opportunity to review all of these terms before you sign. There is also a convenient payment estimator that is available when you apply. If you have any additional questions you can always speak with a Progressive Leasing customer service agent at (877) 898-1970.
Your approval is good for 90 days. If you have not signed a lease agreement within 90 days, your approval expires, and you will have to reapply with Progressive. At some retailers, if you do not sign your lease agreement that day, the order is cancelled. However, you can still create a new order if it is within the 90 days of your original approval.
Progressive Leasing’s lease-to-own option is not credit. With a credit transaction, financing or a loan, you make a purchase with borrowed money that must be repaid, often with interest. With a lease-to-own agreement with Progressive Leasing, we purchase the items you select from the retailer. Then, you sign a lease-to-own agreement to lease that merchandise from Progressive. Progressive owns the merchandise, and you can take ownership after making all standard lease payments or through an early purchase option.
Standard agreement offers 12 months to ownership. 90-day and other early purchase options cost more than the retailer's cash price (except 3-month option in CA). To purchase early or to cancel lease you must call 877-898-1970. Retailer cannot activate early purchase options.
Standard agreement offers 12 months to ownership. 90-day and other early purchase options cost more than the retailer's cash price (except 3-month option in CA). To purchase early or to cancel lease you must call 877-898-1970. Retailer cannot activate early purchase options.
Lease Purchase Program | Zales | Zales