Sonya BatemanEasy 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
- Easy financing options: 6-month, 12-month, 24-month, 36-month, 48-month, and 60-month financing plans with the Blue Nile Credit Card
- Minimum credit requirement: Fair
- Instant approval? Yes
- 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
- How to apply: Fill out the online application
- Find out more or apply
Reeds Jewelers
- Retail locations? Yes
- Easy financing options: Reeds Credit Card Account, financing through Affirm, or Progressive Leasing
- Minimum credit requirement: Poor — Affirm approves most buyers. For Progressive Leasing, there is no credit check.
- Instant approval? Yes
- Down payment: None
- Minimum purchase requirements: None
- 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 out more or apply, or visit a Reeds Jewelers location
SuperJeweler
- Retail locations? No
- Easy financing options: In-house SuperJeweler financing
- Minimum credit requirement: Poor
- Instant approval? Yes
- Down payment: None
- Minimum purchase requirements: None
- How to apply: Apply online at checkout
- Find out more or apply
Kay Jewelers
- Retail locations? Yes
- Easy financing options: 12-month plan with Kay credit card
- Minimum credit requirement: Fair preferred, but low credit scores may be approved at the store’s discretion
- Instant approval? Yes
- Down payment: 20% of the total purchase
- Minimum purchase requirements: $500
- 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 out more or apply, or visit a Kay location
Zales
- Retail locations? Yes
- Easy financing options: 6-month, 12-month, 18-month, and 36-month plans with the Zales credit card
- Minimum credit requirement: Not disclosed by Comenity Capital Bank (the issuing bank for Zales financing programs)
- Instant approval? Yes
- 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
- How to apply: Fill out the online application or apply in-store at any Zales location
- Find out more or apply, or visit a Zales location
Gage Diamonds
- Retail locations? Yes, but operates primarily online
- Easy financing options: Gage Diamonds in-house financing
- Minimum credit requirement: Poor; typically no hard credit check
- Instant approval? Yes
- Down payment: Typically none, but for some large purchases, a 50% deposit may be required
- Minimum purchase requirements: None
- How to apply: Create a free account on the Gage Diamonds website and fill out the short online application
- Find out more or apply or visit the Gage Diamonds showroom location in Chicago
Ice Jewelry
- Retail locations? No
- Easy financing options: Buy Now, Pay Later with Affirm: 3-month, 6-month, and 12-month plans available
- Minimum credit requirement: Poor; Affirm conducts a soft credit check for identification purposes that does not affect your credit score. Most shoppers are approved for Affirm.
- Instant approval? Yes
- Down payment: Typically none, unless Affirm cannot finance the full amount
- Minimum purchase requirements: None
- 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.
- Find out more or apply
Jared the Galleria of Jewelry
- Retail locations? Yes
- Easy financing options: 12-month Diamond Plan; 18-month Platinum Plan
- Minimum credit requirement: Fair
- Instant approval? Yes
- Down payment: 20% of the total purchase amount
- Minimum purchase requirements: $1,000 for 12-month plan; $5,000 for 18-month plan
- 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 out more or apply, or visit a Jared location
Helzberg Diamonds
- Retail locations? Yes
- Easy financing options: Helzberg Diamonds Credit Card, revolving line of credit, or financing through Affirm
- Minimum credit requirement: Fair
- Instant approval? Yes
- Down payment: 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
- How to apply: Fill out the short application online or apply in-store at any Helzberg location
- Find out more or apply, or visit a Helzberg location
Tiffany & Co.
- Retail locations? Yes
- Easy financing options: 12-month and 24-month plans
- Minimum credit requirement: Fair
- Instant approval? Yes
- Down payment: None
- Minimum purchase requirements: None
- How to apply: Fill out the Tiffany & Co. financing application online or apply in-store at any Tiffany location
- Find out more or apply, or visit a Tiffany & Co. location
Sterling Family of Jewelers
- Retail locations? Yes
- Easy financing options: 12-month plan
- Minimum credit requirement: Fair
- Instant approval? Yes
- Down payment: 20% of the total purchase
- Minimum purchase requirements: $500
- 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 out more or apply, or visit a Sterling location
Crown Jewelers
- Retail locations? No
- Easy financing options: Crown Jewelers Credit Card
- Minimum credit requirement: No credit check
- Instant approval? Yes
- Down payment: First month’s payment
- Minimum purchase requirements: None
- How to apply: Fill out the short online credit card application
- Find out more or apply
Sears
- Retail locations? Yes
- Easy financing options: 5-month minimum lease term with Lease It Financing; early buyout options available for 30 days, 60 days, and 90 days
- Minimum credit requirement: No credit check
- Instant approval? Yes
- Down payment: None
- Minimum purchase requirements: None
- How to apply: Fill out the short online application for lease approval or apply in-store at your nearest Sears location
- Find out more or apply, or visit a Sears location
Kmart
- Retail locations? Yes
- Easy financing options: 5-month minimum lease term with Lease It Financing; early buyout options available for 30 days, 60 days, and 90 days
- Minimum credit requirement: No credit check
- Instant approval? Yes
- Down payment: None
- Minimum purchase requirements: None
- How to apply: Fill out the short online application for lease approval or apply in-store at any Kmart location
- Find out more or apply, or visit a Kmart location
In Summary
Purchasing fine jewelry on credit doesn’t have to be a painstaking process. 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. Blue Nile offers easy approval for its credit card, which allows you to finance its wide selection of online products. Furthermore, Reeds Jewelers offers financing through a credit account, Affirm, or Progressive Leasing, all of which are available to customers with poor credit. SuperJeweler’s in-house financing also approves buyers with less-than-perfect credit. With any financing option, be sure to consider the payment structure and any associated fees, so you are able to make all of your payments on time.
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.
Katie Spence
Kait Scirri
Loren Eaton
William Lipovsky
Erika Crawford
Cathy Desmet
Lindsey Desmet
Joseph Cho
Maria R. Riegger, Esq.
