Apply now. Get an answer in seconds.
We look beyond your credit score to give you the best chance of approval.
Use our Store Locator to choose from 150,000+ shops, in-store or online, to get what you need today.
Pay over time.
Our flexible payment options are based on your paydays for an easy, stress-free experience with no hidden costs.
Have more questions?
Can you finance an engagement ring with bad credit?
Yes, you can! Lease-to-own financing from Snap Finance is a fast and flexible solution that can help you bring home the perfect piece.
Is financing jewelry a good idea?
As long as you know you’ll be able to make your payments on time and can still meet your other financial obligations, then yes! Since some pieces of jewelry, like engagement rings, are expensive, being able to make small payments over time is sometimes the only way to afford such a purchase.
Where can I finance jewelry with bad credit?
Quickly and easily apply online for Snap’s lease-to-own financing. Once you’ve been approved, you’ll have a better idea of your budget and can start shopping.
Can you finance jewelry with no credit check?
Not really. Most, if not all, providers will check your credit in some way when you apply for financing. It helps them get a picture of your financial situation and decide if you can be approved and for how much.
However, not all credit checks show up on your “main” credit report. For example, Snap doesn’t report credit checks to Equifax, TransUnion, or Experian during an approval consideration.