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The Lease Purchase Program

If you want to consider a No Credit Needed* option that offers you the possibility to take your piece of jewelry home today, we offer a Lease Purchase Program through Progressive Leasing.

HOW DOES IT WORK?

3 easy steps and you could walk out of our store with the sparkling jewelry of your dreams!

Select your jewelry!

Complete your order!

Take Your Order Home!

Choose from our gorgeous

selection of quality jewelry

Apply in minutes.

Make easy payments,

while you enjoy

your jewelry!

The advertised service is a lease-to-own, or a rental, or a lease-purchase agreement provided by Prog Leasing, LLC, or its affiliates. Acquiring ownership by leasing costs more than the retailer’s cash price. Leasing available on select items at participating locations only. Not available in MN, NJ, VT, WI, WY.
†The initial payment (plus tax) is charged at lease signing. Remaining lease payments will be determined upon item selection.
*No Credit Needed: Progressive Leasing obtains information from credit bureaus. Not all applicants are approved.
**90-Day Purchase Option: Standard agreement offers 12 months to ownership. 90-day purchase options cost more than the retailer’s cash price (except 3-month option in CA).
To purchase early call 877-898-1970.

WHY A LEASE?

Things to consider when looking into a lease.

  • No Credit Needed*
  • Alternative to using a credit card
  • Requires an initial payment of $79
  • Acquiring ownership by leasing costs more than
    the retailer’s cash price
  • Easy application process
  • Affordable lease to own payments
  • 90-day purchase option** available
  • Take your item home the same day or schedule delivery
  • You do not own the merchandise until it is paid in full

READY 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 number

FREQUENTLY ASKED QUESTIONS

WHAT ARE THE GENERAL REQUIREMENTS?

Our general requirements are that you must be at least 18 years old, reside outside of New Jersey, Minnesota, Vermont, Wyoming, and Wisconsin

Requirements:

Must be 18 years or older

Must have a vaild Social Security Number or ITIN

Checking Account: You must have the routing and account numbers for an open and valid checking account

  1. Have a debit or credit card
    • No prepaid debit cards.

IS THE APPLICATION FREE?

YES it is. There is NO CHARGE to apply for Lease to Own Jewelry

DO I NEED TO HAVE GOOD CREDIT?

No credit? No problem. As long as you meet the approval requirement listed above, you can be approved.

HOW QUICK IS YOUR APPROVAL PROCESS?

You will receive the approval decision within 60 seconds after you submit your application. The decision includes approved, pre-approved or declined.

HOW LONG DOES MY APPROVAL LAST?

90 days from the day you are approved.

CAN I GET MORE THAN ONE PRODUCT?

Yes, you may lease any number of products up to your approved spending limit. However you cannot combine your Lease approval amount with another form of payment i.e. credit card on a single item.

Engagement rings and wedding set can be sold seperatly.  Example: The center diamond and the Semi-mount can be purchased seperatly

WHAT IS A LEASE TO OWN?

A lease is a contract between a lessor (the property owner) i.e. the lease company and a lessee (the property user) i.e. you the customer for the use of property subject to stated terms and limitations for a specified period and at a specified payment. For more info Click Here on Progressive Lease to own program.

HOW DOES THE LEASE WORK?

With a lease, you are agreeing to make scheldued  payments for a specific amount of time (the initial lease term) which may vary by state notice, then the lease typically rolls over for the same period as the initial lease term; please be sure to read your lease before electronically signing for the exact terms. You can also buy the item at any time by using the Early Payment Option. if you don’t choose the  Early Payment Option, just make your scheldued payments and you own the product.

HOW LONG IS THE LEASE?

The length of the lease is 12 months unless you decide to take advantage of our early payoff options.

Buyout Options

  • Various buyout options are available at any time. Including:
  • 90 Day Early Buyout – During the first 90 Days, customers are welcome to pay off the leased amount (cash price or the “Unclaimed” price plus initial payment) and applicable tax.
  • Second Early Buyout Option – The second buyout option allows customers to fully own the merchandise early at a discount off the remaining balance.
  • The sooner you pay off the lease, the more money you would save.

WHAT WILL MY MONTHLY PAYMENT BE?

Your payment amount will be determined by the item(s) you select in the lease. Your exact payment amount will be found in your Lease Agreement, which will be available for your review prior to signing. If you have any additional questions, you can always speak with a Progressive Leasing customer service agent at 1-877-898-1970 or try our Payment Estimator to see what your lease payments could be

PAYMENT SCHEDULE

Payment schedules are automatically set up according to the customer’s pay date. These automatically deducted payment schedules include: weekly, bi-weekly, semi-monthly, and monthly payments.

WHEN IS MY FIRST PAYMENT DUE?

You will receive a 10 day grace period upon signing your lease agreement Your first payment will be due at your next indicated pay period.

CAN I RETURN THE MERCHANDISE?

Through our leasing option, jewelry delivered is “Rent to own,” where by the leasing company buys it from us and leases to you, the customer, with low payments and a 90 day buy out option. If you have determined that you no longer want the merchandise and want to terminate your contract you must contact the leasing provider and make arrangements with them for its return in accordance with the terms in their Lease Agreement.

CAN I CANCEL MY ORDER?

You can cancel your order any time before the shipment of your order. After delivery, if you are not satisfied with your item, you may return it within 7 days of receiving it. Please see details for returning merchandise HERE.

CAN I OWN THE PRODUCT?

Yes, just make your payments in accordance with your pay scheldue and you own the product. You can buy the item at any time by using the Early Payment Option.