16 Jewelry Stores With Easy Credit Approval (Some for No/Bad Credit)

Whether you’re looking for an anniversary gift, an engagement ring or wedding bands, a gift for that special someone, or you simply enjoy buying and wearing fine jewelry, jewelry financing is a way to get what you want now and pay later.

We’ve done all of the hard work to help simplify your buying experience. Listed are the jewelry stores with easy credit approval. Names include Tiffany & Co. and more. Easy jewelry financing is possible.

In This Article

Jewelry Stores with Easy Credit Approval

For the purposes of this article, we’re defining “easy credit approval” in two ways:

  1. Jewelry stores that make it easy to apply for credit with a fast application process, instant approval, or both
  2. Jewelry stores that make it easy for people with bad credit or no credit to get approved

Though it is possible to be easily approved by the various jewelery 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. We recommend only making purchases you’re sure you will be able to pay for in full, including any fees and interest. 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, you’ll find verified information on jewelry store credit programs, interest rates, what credit levels you need to be approved, how to apply, and more.

Jewelry Stores with an Easy Credit Application Process

The following jewelry stores offer fast and easy credit approval for qualified customers. For these entries, APR refers to the annual percentage rate — the amount of interest that’s charged on a yearly basis, averaged over the full term of the financing period. Many jewelry stores also offer special introductory APRs for new credit customers.

Keep in mind 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. It means that you’ll find out if you’ve been approved or denied within minutes, rather than days.

Blue Nile

  • Easy financing options: 6-month, 12-month, 24-month, 36-month, 48-month, and 60-month financing plans
  • Credit level needed: Fair or better
  • Instant approval? Yes
  • Standard APR: 29.99%
  • Special introductory terms:
    • 6-month and 12-month plans: No interest if paid in full within the financing term
    • 24-month, 36-month, 48-month, and 60-month plans: 9.99% APR if paid in full within the financing term
  • Down payment: None
  • 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
  • Source: Blue Nile Credit Card page
  • How to apply: Create a free Blue Nile account from the Blue Nile Credit Card Application page and proceed to fill out the application
  • Start shopping at Blue Nile

Note: Blue Nile is an online-only jewelry store.

Helzberg Diamonds

  • Easy financing options: 6-month, 12-month, 36-month, and 60-month plans
  • Credit level needed: Fair or better
  • Instant approval? Yes
  • Standard APR: 24.9% – 26.9%
  • Special introductory terms:
    • 6-month and 12-month plans: No interest if paid in full within the financing term
    • 36-month plans: 7.99% APR if paid in full within the financing term
    • 60-month plans: 9.99% interest if paid in full within the financing term
  • Downpayment: None
  • Minimum purchase requirements: No minimum for 6-month and 12-month plans, $1,499 for 36-month plan; $4,999 for 60-month plan
  • Source: Helzberg Diamonds Jewelry Financing Options
  • How to apply: Fill out the short Helzberg Diamonds credit application online or apply in-store at any Helzberg location
  • Find a Helzberg Diamonds near you

Note: Helzberg Diamonds is accredited by the Better Business Bureau with a rating of A+, but has negative customer reviews.

Jared the Galleria of Jewelry

  • Easy financing options: 12-month Diamond Plan; 18-month Platinum Plan
  • Credit level needed: Fair or better
  • Instant approval? Yes
  • Standard APR: 17% to 24.99% (varies by state)
  • Special introductory terms:
    • 12-month plan: No interest if paid in full within the financing term
    • 18-month plan: No interest for the first 12 months and 9.9% APR for the remaining six months if paid in full within the financing term
  • Down payment: 20% of the total purchase amount
  • Minimum purchase requirements: $1,000 for 12-month plan; $5,000 for 18-month plan
  • Source: Jared Credit Financing Offers
  • 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
  • Find a Jared the Galleria of Jewelry near you

Kay Jewelers

  • Easy financing options: 12-month plan
  • Credit level needed: Fair or better preferred, but low credit scores may be approved at the store’s discretion
  • Instant approval? Yes
  • Standard APR: 17% to 26.99% (varies by state)
  • Special introductory terms: No interest if paid in full within 12 months
  • Downpayment: 20% of the total purchase
  • Minimum purchase requirements: $500
  • Source: Kay Credit Financing Offers
  • 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
  • Find a Kay Jewelers near you

Sterling Family of Jewelers

  • Easy financing options: 12-month plan
  • Credit level needed: Fair or better
  • Instant approval? Yes
  • Standard APR: 17% to 26.99% (varies by state)
  • Special introductory terms: No interest if paid in full within 12 months
  • Down payment: 20% of the total purchase
  • Minimum purchase requirements: $500
  • Source: Sterling Credit Financing Offers
  • How to apply: Create a free account on the Sterling website and then fill out the short online application, or apply in-store at any Sterling location
  • Find a Sterling Family of Jewelers near you

Tiffany & Co.

  • Easy financing options: 12-month and 24-month plans
  • Credit level needed: Fair or better
  • Instant approval? Yes
  • Standard APR: 8% to 21% (varies by state)
  • Special introductory terms:
    • 12-month plan: No interest if paid in full within the financing term
    • 24-month plan: 7.99% APR if paid in full within the financing term
  • Down payment: None
  • Minimum purchase requirements: None
  • Source: Tiffany Retail Installment Credit Agreement
  • How to apply: Fill out the Tiffany & Co. financing application online or apply in-store at any Tiffany location
  • Find a Tiffany & Co. near you

Zales

  • Easy financing options: 6-month, 12-month, 18-month, and 36-month plans
  • Credit level needed: Not disclosed by Comenity Capital Bank (the issuing bank for Zales financing programs)
  • Instant approval? Yes
  • Standard APR: 29.24%
  • Special introductory terms: Special rates are determined by Comenity Capital Bank when you apply for financing with Zales.
  • Down payment: None
  • Minimum purchase requirements: $150 for the 6-month plan; $750 for the 12-month plan; $1,500 for the 18-month plan; $3,000 for the 36-month plan
  • Source: Zales Credit Services page and customer service
  • How to apply: Fill out the Zales Credit Account Application online or apply in-store at any Zales location
  • Find a Zales near you

Jewelry Stores with Easy Credit Approval for Customers with Poor/No Credit

If you don’t have the best credit, you can still find jewelry stores that will accommodate your financing needs. The following jewelry stores offer easy credit approval for people with poor credit or no credit — in some cases, no credit check is performed before approval.

Crown Jewelers

Note: Crown Jewelers is an online-only jewelry store.

Diamond Wave

  • Easy financing options: Buy Now, Pay Later with Affirm: 3-month, 6-month, and 12-month plans available
  • Credit check performed? Soft credit check for identification purposes that does not affect your credit score. Most shoppers are approved for Affirm.
  • Instant approval? Yes
  • Approval requirements: No minimum requirements for approval
  • Standard APR: 10% – 30%
  • Source: Diamond Wave Buy Now Pay Later Jewelry
  • How to apply: Shop online at Diamond Wave and choose Affirm as your payment when you check out. You will be directed to fill out a short application. Approval is instant and will be applied to your current purchase.
  • Start shopping at Diamond Wave

Note: Diamond Wave is an online-only jewelry store.

Gage Diamonds

Note: Gage Diamonds is primarily an online jewelry store, although it does have a physical showroom location in Chicago.

Helzberg Diamonds

IceTrends.com

  • Easy financing options: Buy Now, Pay Later with Affirm: 3-month, 6-month, and 12-month plans available
  • Credit check performed? Soft credit check for identification purposes that does not affect your credit score. Most shoppers are approved for Affirm.
  • Instant approval? Yes
  • Approval requirements: No minimum requirements for approval
  • Standard APR: 10% – 30%
  • Source: IceTrends.com Financing Options
  • How to apply: Shop online at icetrends.com and choose Affirm as your payment when you check out. You will be directed to fill out a short application. Approval is instant and will be applied to your current purchase.
  • Start shopping at IceTrends.com

Note: IceTrends.com is an online-only jewelry store.

Kmart

  • Easy financing options: Lease It financing: 5-month minimum lease term; early buyout options available for 30 days, 60 days, and 90 days
  • Credit check performed? No
  • Instant approval? Yes
  • Approval requirements: Must be 18 or older with a valid Social Security number, driver’s license or government-issued ID, and minimum income of $1,000 per month
  • Standard APR: In lieu of interest, payments are calculated as a percentage of the overall lease amount per month. Percentage varies according to the total amount leased.
  • Source: Kmart payment options page
  • How to apply: Fill out the short online application for lease approval or apply in-store at your nearest Kmart location
  • Find a Kmart near you

Reeds Jewelers

  • Easy financing options: Progressive Leasing
  • Credit check performed? No
  • Instant approval? Yes
  • Approval requirements: Must be 18 or older with a valid Social Security number, checking account, and debit or credit card
  • Standard APR: In lieu of interest, payments are calculated at 16.67% of the total lease payment per month. Maximum lease term is 12 months.
  • Source: Progressive Leasing page of the Reeds Jewelers website
  • How to apply: Fill out the online application form for Reeds online shopping approval, or print and fill out the in-store shopping application form and bring it to your nearest Reeds location.
  • Find a Reeds Jewelers near you

Sears

  • Easy financing options: Lease It financing: 5-month minimum lease term; early buyout options available for 30 days, 60 days, and 90 days
  • Credit check performed? No
  • Instant approval? Yes
  • Approval requirements: Must be 18 or older with a valid Social Security number, driver’s license or government-issued ID, and minimum income of $1,000 per month
  • Standard APR: In lieu of interest, payments are calculated as a percentage of the overall lease amount per month. Percentage varies according to the total amount leased.
  • Source: Sears payment options page
  • How to apply: Fill out the short online application for lease approval or apply in-store at your nearest Sears location
  • Find a Sears near you

Super Jeweler

  • Easy financing options: Buy Now, Pay Later with Affirm: 3-month, 6-month, and 12-month plans available
  • Credit check performed? Soft credit check for identification purposes that does not affect your credit score. Most shoppers are approved for Affirm.
  • Instant approval? Yes
  • Approval requirements: No minimum requirements for approval
  • Standard APR: 10% – 30%
  • Source: Affirm Pre-Qualifying Page
  • How to apply: Shop online at Super Jeweler and choose Affirm as your payment when you check out. You will be directed to fill out a short application. Approval is instant and will be applied to your current purchase.
  • Start shopping at Super Jeweler

Note: Super Jeweler is an online-only jewelry store.

If you’d like more information on 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.

In Summary

And those were the jewelry stores with easy credit approval. As you can see, purchasing fine jewelry on credit doesn’t have to be a struggle. If you’re looking for easy jewelry financing — whether you want fast approval or easy terms for poor credit financing — there are several jewelry store chains and online jewelry retailers ready to accommodate your needs. We hope you were able to choose from one of these easy jewelry financing stores.

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