William Lipovsky
Easy credit approval can mean that a company makes it easy to apply with a simple application process and quick approval and/or a company makes it easy for people with bad credit (or no credit) to get approved.
Most jewelry stores offer financing through a store credit card, in-house financing plans, lease-to-own programs, or financing through a third-party company like Affirm. This partnership allows jewelry stores to offer long-term payment options to customers with poor credit history. Note that you must apply to Affirm separately (usually directly from the jeweler’s checkout page), and once approved, Affirm will determine the terms of your financing.
Some stores partner with Progressive Leasing to offer lease-to-own jewelry, meaning you can take the items home immediately and make regular payments until you own the items. This type of financing typically comes with no credit check.
Though it is possible to be easily approved by the various jewelry stores listed below, there are some risks to financing jewelry that you may want to keep in mind when deciding whether one of these options is right for you. Be aware that if you buy jewelry on credit and later have trouble making payments, you’ll likely be charged late payment fees, which can be expensive. Additionally, missed payments can impact your credit score. If you find you are having trouble making payments, contact the credit company as soon as possible; it may be willing to work with you to help you avoid some of the fees.
Below, we provide information about jewelry store credit programs, interest rates, what credit levels you need to be approved, how to apply, and more.
What We Recommend
For fast and easy approval for a jewelry store credit card, you will likely want to go with Blue Nile. While it is an online-only jewelry store, it has a wide selection of quality products, and its prices are notably lower than its competitors.
If you prefer not to open a store credit card, consider Reeds Jewelers or SuperJeweler. Reeds Jewelers partners with Affirm to offer financing for those with poor credit, and SuperJeweler’s in-house financing option also approves most buyers. Both stores feature a wide selection of jewelry and designers at a range of price points. Reeds Jewelers also offers a Progressive Leasing option, and it has retail locations (while SuperJeweler operates exclusively online).
The List
The following jewelry stores offer fast and easy credit approval for qualified customers — we’ve ordered the list starting with the best stores.
All companies listed have instant approval (often within minutes), and most have programs for people with bad or no credit. Keep in mind, however, that “instant approval” does not mean that everyone will be approved — whether or not you’re approved for jewelry store credit will depend on your credit score in relation to that particular store’s approval policies.
Blue Nile
- Retail locations? No; however, showroom locations are available[1]
- Easy financing options: 6-month, 12-month, 24-month, 36-month, 48-month, and 60-month financing plans with the Blue Nile Credit Card[2]
- Minimum credit requirement: Fair
- Instant approval? Yes[3]
- Down payment: None[3]
- Minimum purchase requirements: $500 for 6-month plan; $1,500 for 12-month plan; $2,000 for 24-month plan; $3,000 for 36-month plan; $4,000 for 48-month plan; $6,000 for 60-month plan[2]
- How to apply: Fill out the online application[4]
- Find out more or apply
Reeds Jewelers
- Retail locations? Yes
- Easy financing options: Reeds Credit Card Account, financing through Affirm, or Progressive Leasing[5]
- Minimum credit requirement: Poor — Affirm approves most buyers. For Progressive Leasing, there is no credit check.[6][7]
- Instant approval? Yes[6]
- Down payment: Depends on purchase method and amount[6]
- Minimum purchase requirements: To receive no interest on the credit card, for 6-month payments you must spend at least $500 and for 12-month payments you must spend at least $1,500.[5]
- How to apply: Apply online or in person for a Reeds credit card.[5] Fill out an online application to use Progressive Leasing.[7]
- Find out more or apply, or visit a Reeds Jewelers
SuperJeweler
- Retail locations? No
- Easy financing options: PayTomorrow Classic offers a 90-day early payoff option or 24-month financing. PayTomorrow No Credit offers 90 days same as cash and a 13-month term with weekly, biweekly, or semimonthly payments.[8]
- Minimum credit requirement: None with PayTomorrow No Credit; this information is given at checkout for PayTomorrow Classic.[9][8]
- Instant approval? Yes[8]
- Down payment: None with PayTomorrow No Credit; this information is given at checkout for PayTomorrow Classic.[9]
- Minimum purchase requirements: None[10]
- How to apply: Apply online at checkout[10]
- Find out more or apply
Kay Jewelers
- Retail locations? Yes
- Easy financing options: 12-month plan with Kay credit card;[11] payment plans through Progressive Leasing[12]
- Minimum credit requirement: Fair preferred, but low credit scores may be approved at the store’s discretion; none with Progressive Leasing[12]
- Instant approval? Yes
- Down payment: $0 when you spend $300 or more with the credit card[11]
- Minimum purchase requirements: $300 with its credit card[13]
- How to apply: Create a free account on the Kay website and then fill out the short online application, or apply in-store at any Kay location.[11][12]
- Find out more or apply, or visit a Kay
Zales
- Retail locations? Yes
- Easy financing options: 6-month, 12-month, 18-month, 24-month, 36-month, and 60-month plans with the Zales credit card[14]
- Minimum credit requirement: Not disclosed by Comenity Capital Bank (the issuing bank for Zales financing programs)
- Instant approval? Yes[15]
- Down payment: None on purchases of $300 or more[15]
- Minimum purchase requirements: $300 for the 6-month plan; $750 for the 12-month plan; $3,000 for the 18-month plan; $5,000 for the 24-month plan; $1,500 for the 36-month plan[15]
- How to apply: Fill out the online application or apply in-store at any Zales location.[15]
- Find out more or apply, or visit a Zales
Gage Diamonds
- Retail locations? Yes, but operates primarily online
- Easy financing options: Gage Diamonds in-house financing[16]
- Minimum credit requirement: No credit needed[16]
- Instant approval? No; however, it generally only takes 24 hours or less[17]
- Down payment: Typically none, but for some large purchases, a 50% deposit may be required[18]
- Minimum purchase requirements: None[16]
- How to apply: Create a free account on the Gage Diamonds website and fill out the short online application. You’ll also have to provide proof of income and verify your identity.[16]
- Find out more or apply or visit the Gage Diamonds showroom location in Chicago
Jared the Galleria of Jewelry
- Retail locations? Yes
- Easy financing options: The Jared Gold card offers six, 12, 18, 36, and 48-month payment plans, as well as a regular purchase credit plan. Progressive Leasing offers a 12-month payment plan with early buyout options. Affirm offers six to eight-week payback for purchases of $150-$400 or three, six, and 12-month payback for purchases of $400 or more.[19]
- Minimum credit requirement: No credit needed for Progressive Leasing;[19] Jared sends Gold card applications to two banks, so if one won’t approve you due to your credit, the other might[20]
- Instant approval? Yes[20][21]
- Down payment: Varies depending on purchase amount and credit plan[19]
- Minimum purchase requirements: None for Jared Gold card’s regular purchase credit plan; amount varies for all other credit plans[22][19]
- How to apply: Create a free account on the Jared website and then fill out the short online application, or apply in-store at any Jared location for the Gold card or Progressive Leasing.[22][21] Choose “Affirm” at checkout to use this credit option.[23]
- Find out more or apply, or visit a Jared
Helzberg Diamonds
- Retail locations? Yes
- Easy financing options: 6, 12, and 36-month plans[24]
- Minimum credit requirement: Fair
- Instant approval? Yes[25][24]
- Down payment: None[24]
- Minimum purchase requirements: None; varies with promotional credit plans[24]
- How to apply: Fill out the short application online or apply in-store at any Helzberg location[24]
- Find out more or apply, or visit a Helzberg
Tiffany & Co.
- Retail locations? Yes
- Easy financing options: 12-month and 24-month plans[26]
- Minimum credit requirement: Fair (above 600)[27]
- Instant approval? Same-day approval generally[27]
- Down payment: Varies by credit rating from 0% to 50%[27]
- Minimum purchase requirements: None or $0.50, depending on state of residence[28]
- How to apply: Fill out the Tiffany & Co. financing application online or apply in-store at any Tiffany location[29]
- Find out more or apply, or visit a Tiffany & Co.
Crown Jewelers
- Retail locations? No
- Easy financing options: Crown Jewelers Credit Card[30]
- Minimum credit requirement: No credit check[31]
- Instant approval? Yes[32]
- Down payment: Small down payment for no credit accounts; none for accounts that have been open at least six months and are in good standing[33]
- Minimum purchase requirements: $1[30]
- How to apply: Fill out the short online credit card application[32]
- Find out more or apply
If you’d like more information about financing jewelry with poor credit or no credit, check out our article on jewelry stores that finance bad credit.
You can also find more retailers beyond jewelry stores that offer Progressive Leasing options in our list of Progressive Leasing stores.
