Information on payment plans at Zales? ?

Question

I found a ring on Zales.com that I want to buy for my girlfriend who I intend to ask to marry me. Its 499$ and I wanted to know what the payment plans are. How much would my payment be each month for a 500$ ring? Thanks for your help!

Answer 1

If you can't afford to pay in cash for jewelry, you can't afford it! Do not take out a loan for a ring! If it is that important, save for it. It will mean more than just signing a paper and hoping that your financial situation doesn't change. Even for $500, it just isn't worth it to rick your credit if something goes wrong.  

Answer 2

on most of their items it says "This item $20.00/month† on your Zales Diamond Card. Apply online." <--that is actually what it says for a 499 ring. But! it depends on your credit score.

Answer 3

The second poster is correct that the Zales website lists the payment plan price on their website.

But work of advice, look elsewhere before you buy from Zales.  They have some lovely jewelry, but the mark-up is so high, you are going to be paying a ridiculous interest rate on top of a ridiculously marked-up ring price.

Search the internet and go to smaller, privately owned jewelry stores for a better price.  Bring the picture with you to get exactly what you want.  Almost every store offers financing these days, so that shouldn't be the issue.  Zales has so much profit margin their prices are so inflated for the quality.  Go to a smaller store and you will firstly pay less and can negotiate the price to something you can afford better, and probably get a better quality piece of jewelry for hte price you do pay.

Good Luck!

Answer 4

About $80 or so with interested depending on if you put anything down and what your credit is like

put it this way, mine was $6000 and they payments are $190