You can get an engagement ring loan even with a bad credit history. What are you waiting for? Buy the perfect ring and make your dream proposal!

Wedding Ring Loans

Table of Contents:

Bad Credit Jewelry Financing

Personal Loans for Engagement Ring Financing with Bad Credit

MoneyMutual Jewelry Loans

CreditLoan Wedding Ring Financing Engagement Ring Financing Jewelry Loans Wedding Loans

Jewelry Store Financing for Bad Credit

Can You Finance Jewelry with Bad Credit?

What are the minimum interest rates and monthly payments?

Can you get a secured Engagement ring loan?

Use the Engagement Ring funding option if needed!

Bad Credit Jewelry Financing

Most couples sooner or later come to the desire to tie the knot. A wedding is an important step in the further development of a family, but it cannot be perfect without a proposal. The moment you get on one knee to ask your partner to marry you is magical and unique, that is why everything should go as great as possible. The engagement ring is a symbol of your love, so it is better to buy the perfect one, even if it is a little more expensive than the amount you are willing to spend. However, what if you don't have the money to buy the perfect engagement ring? Is it possible to finance a ring with a bad credit history?

Do not worry! You can easily find a lender or a jewelry store that will offer you wedding ring financing to make the proposal moment unforgettable. Consider all possible options and choose the one that suits this wonderful moment.

Personal Loans for Engagement Ring Financing with Bad Credit

The advantage of Personal Loans is that you can spend the money you receive on any personal need, including buying an engagement ring. Also, this loan is provided even to people with bad credit, so you do not need to worry about not having enough money to buy the perfect ring. In order to select the best Personal Loan for ring financing, you need to explore various offers.

MoneyMutual Jewelry Loans offers Payday Loans, Installment Loans, Personal Loans at affordable rates with convenient repayment terms. 

  • MIN Loan Amount: $100
  • MAX Loan Amount: $35,000
  • Terms: Vary by lender
  • Rates and fees: Vary by lender
  • Turnaround Time: 1 - 2 business days
  • Payday Loans
  • Installment Loans
  • Personal Loans
  • Active banking account 
  • US residence
  • A valid phone number and Email address
  • At least 18 years of age
  • Quick cash advance up to $1000, or Personal Installment Loans up to $35000;
  • Easy online application with 100% protection of your personal information;
  • No minimum credit score requirements.
  • No hard credit check.
  • No paperwork or faxing.
  • No guarantor or collateral needed for unsecured Payday Loans.
  • 24 / 7 customer service, money at any time of day and night.
  • High APR.
  • High late payment fees.


Pay attention to loans from MoneyMutual, as it is not a direct lender, but an online marketplace that helps lenders and borrowers find each other. In this way, MoneyMutual can connect you with a large number of lenders. All you need to do is fill out a simple online form (it takes less than 5 minutes), then lenders can find you and offer you a loan. MoneyMutual has some eligibility criteria, so you must be at least 18 years old to apply for a loan. You must also have a source of income and earn at least $ 800 per month. An active checking account is also required when filling out an application.

With MoneyMutual you can get a loan of up to $ 2,500. Loan terms and interest rates may vary. Please make sure MoneyMutual is available in your state before applying.

CreditLoan Wedding Ring Financing

CreditLoan is also an online marketplace to help you fund your wedding ring. With CreditLoan, you can get fast approval even if you have a bad credit score. To apply for a personal loan from CreditLoan you must be at least 18 years old and have an active bank account. After completing the application, you can find a large number of lenders willing to provide you with a loan. Before making a decision, you can study all the conditions of the loan. offers loans ranging from $ 250 to $ 5,000 for any of your needs. If approved, the money will be transferred directly to your bank account within one business day. The loan repayment terms and interest rates may vary depending on the loan amount and your salary. Engagement Ring Financing

CashNetUSA offers Payday Loans, Installment Loans, Line of Credit as well as other financial help and education.

  • MIN Loan Amount: $100
  • MAX Loan Amount: $3000
  • Terms: 8 days - 24 months
  • Rates and fees: 89% - 805.28% APR
  • Turnaround Time: 1 business day
Read Full Review
  • Payday Loans
  • Cash Advance
  • Online Loans
  • Installment Loans
  • Line of Credit
  • live in a state CashNetUSA services;
  • be over 18;
  • have a regular source of income.
  • Offers different types of loans including payday loans, installment loans and lines of credit.
  • Fast funding within one business day.
  • Provides cash advance in the majority of states. 
  • Bad credit is OK.
  • High cost which varies by state.


You can also apply for loans from if you have bad credit. offers loans from state-licensed and tribal lenders. Like other lenders, has its own eligibility criteria in order to be approved. So, in order to receive the payment, you must be at least 18 years old, be a US citizen or official resident, and also have a monthly income of at least $ 1000 after taxes.

In order to apply for a loan from you do not need to go through a credit check. Thus, you can see the offers available to you without damaging your credit. All you need to do is fill out a simple online form and provide your details such as home and work phone numbers and email.

The loan amount from ranges from $ 500 to $ 10,000. The loan terms are from 3 to 72 months, and the interest rate on the loan is 5.99% - 35.99%. When submitting an application, you will receive a response within a few minutes, and if approved, the money will be transferred directly to your bank account. Jewelry Loans

Bad Credit Loans helps borrowers with bad credit score get the necessary urgent cash up to $5000. They connect you with reliable lenders who offer lower rates and affordable terms. 

  • MIN Loan Amount: $500
  • MAX Loan Amount: $5000
  • Terms: 3 - 36 months for Installment Loans
  • Rates and fees: 5.99% - 35.99% APR
  • Turnaround Time: 1 business day
  • Personal Loans
  • Business Loans
  • Credit Cards
  • Mortgage Loans
  • Home Loans
  • Student Loans
  • Auto Loans
  • a legal citizen of the US
  • an adult (age 18 or older)
  • a valid email address
  • a working phone number
  • the bank account where you’d like the money transferred. 
  • All credit score welcome
  • No collateral requirement
  • Easy loan request form.
  • Online processing
  • Quick Loan Request Decision
  • Rapid disbursement
  • High interest rates. 


Another online marketplace that can help you is Here you can find options for funding a variety of jewelry, including wedding rings. The advantage of is that it is an online marketplace for people with bad credit history, so they should also be eligible to buy a dream ring. With BadCreditLoans, you can apply online, but you also need to meet certain criteria. To qualify for a loan, you must be at least 18 years old, provide a Social Security number, and have a regular source of income. Also, in order to fill out an application, you will need to provide some personal data, such as a bank account, email and phone number.

BadCreditLoans offers loan options ranging from $ 500 to $ 5,000. The loan term varies from 3 to 60 months depending on the loan amount. Interest rates are 5.99% - 35.99%. BadCreditLoans has been on the market since 1998, which gives you some quality assurance. If your application is approved, you will receive payment the next business day. Wedding Loans offers Installment Loans and Personal Loans up to $35,000 as well as other fast online cash advance. 

  • MIN Loan Amount: $500
  • MAX Loan Amount: $35000
  • Terms: Varied
  • Rates and fees: 5.99% - 35.99% APR
  • Turnaround Time: 1 business day
  • Personal Loans
  • Installment Loans
  • Online Loans
  • Fast Cash
  • Tax Loans
  • Payday Loans
  • Debt Consolidation
  • Minimum credit score of 580
  • A valid bank account
  • A regular source of income
  • US residence
  • Age over 18
  • A variety of lenders. 
  • Minimal restrictions on how you can use your loan.
  • No collateral or guarantor.
  • Easy online process.
  • It's not a direct lender, so you'll need to clarify rates and terms with the company you are matched with. 
  • Limited choice of lenders.


If you are looking for a service to help you fund a diamond ring, PersonalLoans is a great option for you. In order to get a loan, you must meet certain criteria. The main ones are a minimum age of 18, a valid social security number, regular monthly payments, and an active bank account. If you meet all the necessary requirements, then you will most likely get paid. If approved, you will be directed to the lender to discuss the details of the loan and repayment. The process of obtaining a personal loan is detailed on, where you can also find a section of frequently asked questions.

As for the amount, with you can get a fairly large loan from $ 500 to $ 35,000. All types of credit are acceptable, so you do not need to worry if your credit history is not an example to follow. also has a large network of lenders who will approve your application within one business day. Moreover, this service is available in all states and you can use the money received for any need. The loan repayment period is from 3 to 72 months, and the interest rates range from 5.99% to 35.99%

Jewelry Store Financing for Bad Credit

Some people do not want to take out a Personal Loan, as they still have uncovered debts on other loans. In this case, Jewelry store financing is a good option for people looking to buy a ring for their partner. Of course, not every jewelry store offers funding, but there is a list of stores offering this option. This way, you can find the option to finance your wedding ring even with bad credit.

If you are looking to get funding from a jewelry store and buy your dream ring, then look at the following stores: Gage Diamonds, Helzberg Diamonds and Crown Jewelers. You can get financing for a wedding ring for up to 24 months, which is enough to pay off the debt.


Can You Finance Jewelry with Bad Credit?
What are the minimum interest rates and monthly payments?
Can you get a secured Engagement ring loan?

Use the Engagement Ring funding option if needed!

If you are still unsure whether you can take out a loan to buy your dream ring, look again at how many lenders are willing to give you money. Don't worry about running out of money to buy a ring, as a large number of people across America take out loans in order to make the perfect proposal. In the end, this is an event that happens once in a lifetime, and not every person finds a partner with whom he wants to share his life.u

It doesn't matter if you want to get financing from a lender or from a store - it is important to study all offers in order to choose the best and most profitable one for you. Do not forget to pay attention to interest rates and loan amount. It is also worth remembering that it is better to take an unsecured loan so as not to risk losing your collateral. Remember that funding an engagement ring will help you make your dream proposal! Don't be afraid to take this step as it can help you become happy. Get the best loan and make your dream proposal, good luck!