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Zales Financing & Payment Options
Choose The Payment Option That's Right For You!
When you find the jewelry design that speaks to you, you have to get it! We offer a variety of payment options that make getting it easy!
| Special Financing* Plans | Regular Purchase Credit Plan** | |
|---|---|---|
| Take Your Jewelry Home Today |  |
|
| Minimum Purchase Amount | As Low As $300 | $0 |
| Down Payment | $0 | $0 |
| Payment Term (Complete By) | 6*, 12, 18 or 36* Months | Revolving |
| Special Offers and Benefits at Zales | ||
|---|---|---|
| Welcome Gift1 | |
|
| $50 Off2 Birthday Gift | |
|
| Cardholder Anniversary Gift2 | |
|
| $100 Off3 Twice a Year & Other Exclusive Offers | |
|
| Early Sale Alerts4 | |
|
| 10% Off5 Repair Services | |
|
| And More Exclusive Benefits | |
|
| Subject To Credit Approval | |
|
| *,**,1,2,3,4,5 See Details | APPLY NOW | APPLY NOW |
Lease Purchase Program
Buy Now, Pay Later
| Take Your Jewelry Home Today | |
|
| Minimum Purchase Amount | $300 | $150 |
| Initial Payment | $79† | Depends On Purchase |
| Payment Term (Complete By) | 12 Months Standard Lease with Flexible Purchase Options | Varies by purchase amount and eligibility |
| Credit History Needed§ | — | — |
| †,††,§,♢ See Details | APPLY NOW | LEARN MORE |
The Diamond Credit Card
*Minimum payments are required fr each Credit Plan. Valid for single transaction only. If the transaction has multiple shipments, each shipment may result in a separate Credit Plan, subject to a separate minimum purchase requirement.
**Minimum payments required each billing period. Interest will apply according to your regular credit terms.
1Must have a valid email address and U.S. mailing address. Account must not be in default. Minimum purchase required to redeem. See offer for full terms and conditions. Offer will be received in your welcome kit.
2Must have made a purchase in the previous 12 months starting 1 month prior to birthday and card anniversary. Accounts that opened in your birthday month or in the previous month will receive the offer during your birthday month the following calendar year. Account must not be in default. Minimum purchase required to redeem. See offer for full terms and conditions. Offer will be received during cardholder birthday and anniversary months. Must have valid email address and U.S. mailing address.
3Must have a valid email address and U.S. mailing address. Account must not be in default. Minimum purchase required to redeem. See offer for full terms and conditions.
4Must have a valid email address and U.S. mailing address.
5Account must not be in default. Redemption Details: Cannot be combined with repair offers.
Credit card offers are subject to credit approval.
The Diamond Credit Card Accounts are issued by Comenity Capital Bank.
Progressive Leasing
† Regular $79 initial payment (plus tax) is charged at lease signing. Remaining lease payments will be determined upon item selection.
§ No credit needed: Progressive Leasing obtains information from credit bureaus. Not all applicants are approved.
The advertised service is a lease-to-own, 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.
Affirm
♢Rates from 0-36% APR. For example, a $700 purchase might cost $63.18 per month over 12 months at 15% APR. Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lender license. For licenses and disclosures see affirm.com/licenses.
*Minimum payments are required fr each Credit Plan. Valid for single transaction only. If the transaction has multiple shipments, each shipment may result in a separate Credit Plan, subject to a separate minimum purchase requirement.
**Minimum payments required each billing period. Interest will apply according to your regular credit terms.
1Must have a valid email address and U.S. mailing address. Account must not be in default. Minimum purchase required to redeem. See offer for full terms and conditions. Offer will be received in your welcome kit.
2Must have made a purchase in the previous 12 months starting 1 month prior to birthday and card anniversary. Accounts that opened in your birthday month or in the previous month will receive the offer during your birthday month the following calendar year. Account must not be in default. Minimum purchase required to redeem. See offer for full terms and conditions. Offer will be received during cardholder birthday and anniversary months. Must have valid email address and U.S. mailing address.
3Must have a valid email address and U.S. mailing address. Account must not be in default. Minimum purchase required to redeem. See offer for full terms and conditions.
4Must have a valid email address and U.S. mailing address.
5Account must not be in default. Redemption Details: Cannot be combined with repair offers.
Credit card offers are subject to credit approval.
The Diamond Credit Card Accounts are issued by Comenity Capital Bank.
Progressive Leasing
† Regular $79 initial payment (plus tax) is charged at lease signing. Remaining lease payments will be determined upon item selection.
§ No credit needed: Progressive Leasing obtains information from credit bureaus. Not all applicants are approved.
The advertised service is a lease-to-own, 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.
Affirm
♢Rates from 0-36% APR. For example, a $700 purchase might cost $63.18 per month over 12 months at 15% APR. Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lender license. For licenses and disclosures see affirm.com/licenses.