Pay over time at Zales

Zales is a jewelry retailer selling diamond engagement rings, wedding bands and fine jewelry. We confirmed Affirm and Progressive Leasing here.

Ways to pay over time

Options and terms can change and depend on your credit. Confirm at checkout before you accept.

Pay later

Affirm

Minimum purchase
$150
APR
0% to 36%
Credit check
Won't affect your score

Checked Nov 10, 2026 The store’s website says it offers Affirm

Store offer, minimum and plan lengths are from Zales’s website. APR and credit check are Affirm’s general terms.

All Affirm stores and terms

Lease-to-own

Progressive Leasing

Name at checkout
Lease Purchase Program
Cost
More than cash price
Credit check
No credit needed

Checked Nov 10, 2026 The store’s website says it offers Progressive Leasing

Store offer, minimum and plan lengths are from Zales’s website. Cost and credit check are Progressive Leasing’s general terms.

All Progressive Leasing stores and terms

How to pay over time at Zales

  1. Add what you want to your cart on zales.com (at least $150).
  2. At checkout or on the store’s financing page, choose Affirm or Lease Purchase Program.
  3. Each one runs its own check. The cards above show which use a soft check and which can affect your credit.
  4. Compare the plans and the total cost, then accept only if the total works for you.

Questions about Zales financing

Does Zales offer financing?

Yes. We confirmed Affirm and Progressive Leasing at Zales on Nov 10, 2026. Options can change, so check at checkout before you buy.

Is there a minimum purchase to use Affirm at Zales?

Zales says the minimum is $150. Below that, Affirm may not show at checkout.

Will checking my rate at Zales affect my credit score?

Checking your plans with Affirm does not affect your credit score. If you take a loan, Affirm reports it to Experian, including Pay in 4.

Can I use Affirm in a Zales store?

We checked online shopping at Zales only. If the store has physical locations, ask there whether financing is available.

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