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10 Best Guaranteed Jewelry Financing No Down Payment 2022

When you love somebody, you want to give the best to that person. You are ready to make a sacrifice to see your love happy and cheerful. Unfortunately, the budget constraints can hold you back from proposing to the love of your life.

Since it is the best day of your life, you want to make a lasting impression that will be the talk of the town for many years. To actualize that dream, you need rare, eye-catching jewelry.

The best wedding rings and other engagement jewelry tend to be beyond the means of most people, but that should not hold you back thanks to guaranteed jewelry financing no down payment options.

You do not need to sell your car or look for business loans with bad credit to live your dream and make your partner happy. In this article, we will bring you the top ten guaranteed jewelry financing no down payment companies that will make your dream come true with friendly financing.

The 10 Best Companies Guaranteed Jewelry Financing No Down Payment

guaranteed jewelry financing no down payment

1) Arizona Diamond Center

The family-owned, Arizona Diamond Center has been in business since 1982. The company began its operation as a small store with only four members of staff, but it has expanded its business to employ over 30 employees.

The company not only sells the best jewelry to its increasing customers but it also offers jewelry repair services. The repair services the company offers include ring sizing, jewelry cleaning and polishing, stone tightening and replacement, engraving and reproduction, and pearl restringing.

In addition to the exquisite jewelry, the Arizona Diamond has excellent service. The company offers a five-year warranty on breakage, one year warranty against diamond loss, and instant jewelry credit approval.

The company offers a wide range of accessories, including bracelets, engagement rings, pendants, and earrings. All jewelry comes with a sweet, love story in glittering 14k white gold and diamond.


  • Zero annual fees
  • Low monthly payments
  • No credit check
  • Interest-free payment option
  • No money down

2) Walsons & Co

You have to think Walsons & Co when you are looking for vivid and exquisite. The company has some of the best jewelry accessories that will make your love story and engagement vows memorable and successful.

Collections at the store only come from the best world crafters, including a vast selection of Swiss timepieces like Patek Phillipe, Rolex, and Carter. You will find a host of colorful jewelry ranging from diamonds to gemstones and platinum engagement rings.

If you need something unique, the company experts can help you customize the jewelry to your favorite design and taste.

On top of the best jewelry collection, the company has an affordable, guaranteed jewelry financing no down payment plan that does not require a credit check. The company has a 45 day no interest payment option that makes your purchase affordable.

Walsons & Co also offers additional payment options like co-signers and a first-time buyer program to help all customers purchase the best jewelry for their loved ones.


  • No money down
  • No credit check
  • Affordable, flexible financing options
  • Minimum monthly payments
  • No interest

3) Gage Diamonds Company

Love is precious and it should not wait. Gage Diamonds Company believes that you should not deny your heart a chance to be happy because of money.

You do not need to have a large income to give your love an exquisite ring they will show off to friends and family members. Gage Diamonds Company lets you write your love story for as low as $58 per month.

The company does not require a credit check to approve your financing. You can also get a no money down payment plan to help you actualize your dream, irrespective of your savings.

Gage Diamonds Company has quick and easy guaranteed jewelry financing online application that gets you approved within 24 hours. The payment plan is transparent with no late fees, penalties, or tricks, ensuring that what you see at the checkout is what you pay.

The payments are also flexible, starting at 0% for up to 24 months.


  • Quick and easy online application
  • Affordable, flexible payment
  • No credit needed
  • 0% interest

4) Paramount Jewelers

Established in 1998, Paramount Jewelers has over 20 years of experience in custom designing and manufacturing jewelry. The company has partnerships with the best diamond exporters from Israel, Belgium, and India where most of the rough diamonds are cut.

Although it began its business with high-quality handmade custom jewelry and an extensive collection of bridal rings, today the company has the finest loose diamonds, diamond jewelry, Tag-Heuer, Rolex, and many other high-end timepieces.

Beyond delivering the best timepieces and jewelry, the Paramount Jewelers sales team offers first-rate customer service and friendly financing options. The lack of saving should not stop you from making a wedding vow.

The company provides a variety of financing options to suit different needs including those with bad credit or no credit. It is easy to qualify for no money down financing.


  • No credit checks
  • Multiple payment options
  • No money down
  • Interest-free financing
  • Build good credit

5) Rogers & Hollands Jewelers

Love is pure and timeless. Rogers and Hollands Jewelers Company helps people to keep their love timeless with ageless jewelry and pure with exquisite diamonds.

Whether you are looking to give a token of appreciation or propose to your love, the company has top-end accessories to help you pass your message in a unique, eye-catching way.

For over a hundred years, Rogers & Hollands Jewelers has helped multiple generations to create magical moments.

Rogers and Hollands Jewelers goes beyond delivering quality gemstone and diamond jewelry line to helping people buy the best jewelry for different occasions with instant jewelry credit approval.

The company offers quick, affordable no money down financing to make your wedding vow stress free.


  • No money down
  • Quick, 24 hours approval
  • Build your credit
  • Flexible payment plans

6) Ramseys Diamond Jewelers

Since love is timeless, you need to walk the journey with a company that will be there for you many years to come. The history of Ramsey Diamond began in 1958 when Robert Bob Ramsey senior established the B&J Manufacturing Jewelers, manufacturing fine custom jewelry for other jewelers to sell under their name.

In 1972, Bob opened Ramsey Jewelers and the rest is history. The company specializes entirely in diamonds, building a reputation for noticeably better diamonds at better prices.

Ramsey will not only help you make your wedding vows in style, it helps you do so with peace of mind. The company is the go-to option if you are looking for the best jewelry sites with payment plans that accommodate almost all budgets.

The company has flexible financing with quick credit decisions. Upon approval, you immediately access a revolving line of credit, allowing you to make convenient monthly payments. The company further offers a 6-month layaway plan on items of up to $3,499 and a 4-month plan on items above $3500.


  • No interest
  • No money down
  • Quick credit approval
  • Flexible monthly payments
  • Access to a revolving line of credit

7) Zales

It rare to find a jewelry company that offers buy now pay later jewelry no deposit financing option, but that is what you get with Zales. The company’s long journey began in 1924 in Wichita Falls in Texas.

Zales has a reputation for offering high-quality merchandise at the lowest possible prices. The company also has a revolutionary credit plan that allows customers to put a penny down and a dollar a week on many higher-priced items.

Zales Jewelers is a top choice for people interested in a wide range of selections at excellent quality and exceptional value. The company allows its customers to propose first with an exquisite ring and pay back later with flexible buy now, pay later financing.

It also offers zero down special financing on purchases of $300 or more for greater flexibility.


  • Buy now, pay later
  • Zero down special financing
  • Lease purchase program
  • Quick approval

8) Kay Jewelers

Love and giving go together. Kay Jewelers helps people to communicate their love and show how they care by providing beautiful jewelry for all occasions for over a hundred years.

The journey began back in 1916 when eyeglasses, silverware, music boxes, razors, and appliances were some of the items you could find in the gift box. Today, the exclusive designer selection at the store includes diamonds, gemstones, gold, and watches, helping make your love stand.

Kay Jewelers popularity does not end with its exclusive selection. The company has a flexible instant jewelry credit approval financing program tailored to meet the needs of different customers.

Kay offers three forms of financing with Comenity Bank and Genesis FS Card offering no down payment on purchases. The company further offers special financing of up to 36 months for bridal purchases of $3,000 or more.


  • Quick approval
  • No money down
  • Flexible payment plan

9) Robbins Brothers

In the 1920s, Ben Tipp opened a Jewelry store and began treating customers like guests. His passion, quality, and friendly nature made the store a must-visit for rings, gifts, and anniversary jewels.

Every customer who walked into the store was offered a delicious Washington red apple to enjoy as they browse. Today, the Robbins Brothers Company has expanded its operations to 15 locations.

Although the company does not offer a delicious apple to its customers, Robbins Brothers have a flexible payment plan that makes engagements sweet.

The company works with multiple lenders, giving its customers a perfect financing option whether you are looking for no money down, low monthly payments, or short terms.


  • Multiple lenders
  • Flexible payment plans
  • No credit check
  • No money down option
  • Co-signers allowed

10) Crown Jewelers

Gifting your love a special diamond engagement ring does not have to be a dream. Crown Jewelers enable couples to share their love in the best possible way with guaranteed jewelry financing no down payment option.

Making wedding vows with a beautiful gold ring, a diamond ring or gemstone ring does not have to exhaust your savings. Crown Jewelers enables people to purchase their dream jewelry and pay in affordable installments.

Crown Jewelers has a flexible financing option that does not consider your prior credit history, making it possible for anyone to get financing.


  • Quick approval
  • Guaranteed zero down the account
  • Store credit rating
  • Minimum monthly payment of $25 or 5% of your account balance

Learn More: The 10 Best Online Store Credit Cards Guaranteed Approval

Frequently Asked Questions (FAQ)


The lack of adequate savings should not make you postpone your engagement or go for a low-quality engagement ring. Instead, you only need to choose one of the jewelry sites with payment plans that allow you to pay for an exquisite ring in small monthly payments.