The Lease Purchase Program

is a no credit needed alternative that allows you to own the merchandise once you make all of the scheduled payments or complete an early buyout option.

How it Works

  • Apply online for an instant decision
  • Receive your maximum approval amount
  • Visit any of our Zales Outlet stores to shop for the merchandise
  • E-sign the lease agreement and receive the merchandise
  • Pay off your lease with flexible payments, the 90-day payment option or other early buyout plans

You Need the Following to Apply

  • Must be 18 years or older
  • Social Security Number or ITIN
  • Routing and account number for an open and active checking account
  • Credit or debit card