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Thank you for your interest in our Lease Purchase Program.

As many of our physical store locations are temporarily closed in response to COVID-19, the lease payment option can only be used through our Live Advice feature by selecting Get Live Jewelry Advice or Book a Virtual Appointment. This will put you in contact with the closest available Store Manager who will help you shop for your items, finalize your purchase and schedule a time for curbside pick-up (where available).

As a reminder, if you have already applied for a lease and have been approved, your approval status is good for 90 days from the date of approval.

The Lease Purchase Program available at Zales Outlet.

No Credit Needed.

The Lease Purchase Program is a no credit needed alternative that allows you to take your jewelry home the same day and own the merchandise once you make all of the scheduled payments or complete an early buyout option.

No Credit Needed

There's no credit needed to apply for the Lease Purchase Program.

Instant Decision

Discover how much you can get approved for and get the merchandise you need today.

90-Day Purchase Option

You can save money when you take advantage of the 90-day purchase option.*

Flexible Payments

Flexible weekly, bi-weekly, or monthly payment options make it simple to use.

How to Apply

  • You will need:

  • To be 18 years or older

  • A Social Security Number or ITIN

  • A bank routing and account number for an open and active checking account

  • An active credit or debit card

Step 1

Apply online for an instant decision.

Step 2

Visit your local Zales Outlet store to shop.

Step 3

Sign the lease agreement, make your initial payment of $79* and take your merchandise home.

Step 4

Pay for the lease with flexible payments.

For additional questions, contact Progressive Leasing at 866-319-0290.

*The advertised service is a rental- or lease-purchase agreement (or in certain states, a rent-to-own agreement; a consumer rental-purchase agreement; a lease agreement with an option to purchase; or a consumer-lease agreement) provided by Prog Leasing, LLC or its affiliates. It is not a loan, credit or financing. While no credit history is required, Progressive obtains information from consumer reporting agencies in connection with lease application. The initial payment is $79. All remaining lease payments will be determined by the cash price of the leased item and the frequency of payments. You will not own the leased merchandise or acquire ownership rights unless you make 12 months of payments or exercise an early purchase option. 90-day purchase option includes a markup over invoice price (except for 3-month purchase option in CA). After 90 days, early buyout options vary by state. Not available in MN, NJ, VT, WI or WY. Merchant participating locations only. Not all applicants are approved or qualify for these terms. See lease for details.