Zales Financing and Credit Scores: Everything You Need to Know

Are you considering purchasing jewelry from Zales but worried about your credit score? Don't worry, Zales offers flexible financing options that can help you get the jewelry you've always wanted, regardless of your credit score.

How Does Zales Financing Work?

Zales offers a Lease Purchase Program that allows you to make monthly payments towards your jewelry purchase. The best part is that no credit is needed to qualify for this program. This means that even if you have a low credit score or no credit history, you can still be approved for financing.

Why Choose Zales Financing?

Zales Financing offers several benefits that make it an attractive option for jewelry shoppers. Here are some reasons why you should consider Zales Financing:

• Flexible Payments: Zales allows you to choose a payment plan that works best for you. You can make monthly payments over a set period of time, making it easier to manage your budget.
• 90-Day & Early Purchase Options: Zales offers a 90-day option that allows you to pay off your purchase within 90 days without any interest. They also offer early purchase options, so you can pay off your balance early and save on interest charges.
• No Credit Needed: Unlike traditional financing options, Zales does not require a credit check. This means that even if you have a low credit score or no credit history, you can still be approved for financing.

How to Apply for Zales Financing?

Applying for Zales Financing is quick and easy. Here are the steps:

1. Choose My Store: Visit the Zales website and select your preferred store location.
2. Step 1: Browse through the wide selection of jewelry and choose the items you want to purchase.
3. Step 2: Add the selected items to your cart and proceed to checkout.
4. Step 3: Select the Lease Purchase Program as your payment option and follow the instructions to complete your application.
5. Enjoy: Once your application is approved, you can start enjoying your new jewelry!

Is Zales Financing Right for You?

While Zales Financing offers many benefits, it may not be the right choice for everyone. Here are some factors to consider before applying for Zales Financing:

• High APR: Zales Financing may have a higher APR compared to other financing options. Make sure to review the terms and conditions to understand the interest rates and fees.
• No Rewards: Unlike some credit cards, Zales Financing does not offer any rewards or cashback incentives. If you're looking for rewards, you may want to explore other financing options.
• Online Account: To apply for Zales Financing, you need to create an online account. If you prefer not to manage your account online, this may not be the best option for you.

Conclusion

Zales Financing offers a convenient way to purchase jewelry without the need for a high credit score. With flexible payment options and no credit check required, it's a great option for individuals with low credit scores or no credit history. However, it's important to consider the high APR and the lack of rewards before applying. If you're looking for a hassle-free financing option, Zales Financing may be the perfect fit for you.