Buying a Wedding Ring With Bad Credit

I want to propose to my girlfriend but I don't have the money to buy a ring right this moment, so are there any sites out there that you can buy now and pay later without good credit? and you can receive the ring before you get finish paying it off!

Allan

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December 22, 20040 found this helpful
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I disagree that you have to have good credit before you can get married! While you definitely need to discuss your bad credit before the big day, so there are no surprises, marriage really is about love - not money. When my husband proposed to me, he didn't have enough money for a ring, so he asked in our families if there was a family ring he could have. My ring has green tourmanline instead of diamonds. This is perfect because green is our favorite color, and we don't want to see ourselves as every other couple.

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January 13, 20050 found this helpful
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Why not go to a pawn shop? They have some beautiful rings and don't cost that much.

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May 15, 20081 found this helpful
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Try ICE.com they have month to month payment plans and pretty cheap prices. There are no credit checks and all you need is a credit card (I have bad credit too so I used a prepaid Visa card. You can get them at Walmart or Walgreens for like 5 bucks+ the amount you put on the credit card). Plus around Valentine's Day Ice.com drops all their monthly payments to under 100.00 a month. Hope I helped!

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January 15, 20090 found this helpful
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Some places do a layaway plan. Pick the ring, put down the deposit, then pay it off before the date.

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December 19, 20040 found this helpful

Probably what you don't want to hear but if your credit is bad and you don't even have enough saved to buy a simple wedding ring do you really think you are mature and responsible enough to get married? How will you pay for the wedding? How will you afford to find a nice place to live, furnish it, have children, etc? Propose by all means but show your girlfriend you will be a responsible life partner and explain you are saving for the ring so you don't start off your life together by dragging her into debt with you!

Regards

Jo

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December 19, 20040 found this helpful

If you can't afford to buy a ring maybe a marriage proposal isn't the best thing to do at this time. There are a lot of ways to let her know how much you love her.

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December 20, 20040 found this helpful

I agree with the previous posters that you aren't ready to get married, if you can't even afford a ring . Marriage is expensive and living together also. If you need a reasonably priced ring, go to pawn shops near gambling areas or military posts that have lovely diamonds for much less than they are worth. I buy a lot of jewelry at pawn shops.

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December 20, 20040 found this helpful

Even people with bad credit CAN and SHOULD get married. The key is whether you are in love and want to spend the rest of your life with the person and they feel the same. The key thing to remember is that you are getting married, your financial problems become hers. You should not buy a ring until you can afford one. End of story...

Don't go further into debt to buy a wedding ring. It's not going to make EITHER of you happy. If it's important to you to get engaged with an expensive wedding ring, then wait until you can actually afford one. You probably won't want to hear that either. Poor people fall in love and get married all the time and guess what... sometimes getting married, sticking together and caring for eachother is what it takes to get out of credit and have a better standard of living.

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December 20, 20040 found this helpful

Well I agree you should wait until you can afford it, but if you must propose try a pawn shop. You can also look in the newspaper for rings that individuals want to sell or try a rent to own place like American Rental if you have one in the area. I know what it is like to be in debt, but it happened after we got married. I suggest trying to clear up fiances before you take the walk down the alter, because you want to be out of debt for the big day and after if you want children.

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December 24, 20040 found this helpful

If everyone waited till their credit is good or could afford an expensive ring to get married I'm sure there would be many that are not married. Including me. We got married because we loved each other, we both had jobs and no savings. We went to a local christian book store and got a ring for 20.00. I believe that they are now 65.00. Walmart also has a layaway and a month or two would be a good amount of time. You can get a simple ring single diamond for around 100.00. If your girlfriend requires an expensive ring or her taste is expensive, it's best to not marry her, that's just asking for trouble. You can always get a better set later in your married life. Or settle for bands. Love is what counts. You can always get around the rest. Put Jesus first in your life and things will work out fine. Rose Mary

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December 29, 20040 found this helpful

i had the same problem. Go to michael hill jewelers. They have a payment plan thats interest free, but you have to do a direct debit payment form that is very flexible. And NO CREDIT CHECKS. All you need is 25% deposit and a bank account number. I proposed on christmas day. Good luck dude.

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January 14, 20050 found this helpful

Allen Where do you live? I Know how you feel because My husband felt the same way! I will get back here ASAP when I have done some searching.

Kitten in So Cali. Dont give up hope It will turn out OK

As long as she knows you love her all is good.

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January 14, 20050 found this helpful

Check out my web page called www.indianheadinsider.com and go to the discounted deals page under jewerly there is one company that will allow for incriment payments thus making it more affordable. Also how about moissanite, (I hope I spelled it right) looks like a diamond at 1/4 the cost. Even jewelers have a hard time telling it apart from a "real" diamond. I hope this helps! Ranae from Wisconsin

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August 8, 20060 found this helpful

DON'T DO IT !

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November 28, 20070 found this helpful

Go to Robbins Brothers they will work with you

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September 10, 20080 found this helpful

Don't listen to people about not being ready for marriage if you don't have the money for a ring. If you wait till the day you have no money problem or are rich...well, you probably will never get married. If you love each other and want to spend your life together, finance or look on eBay or pawn shops for something your girl will like. Not everyone can afford the big name jewelers and most girls will love it no matter what - it is what it represents that matters! Hope that helps you!

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April 4, 20090 found this helpful

We never purchased an engagement ring for me, and our wedding bands are just a Black Hills silver leaf band. Material possessions are nothing, just enjoy your love and she should understand the situation.

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December 13, 20090 found this helpful

Most people are saying to go to a pawn shop to get a wedding ring. Why would you do that? Most people that put their wedding rings in the pawn shop have had a marriage that failed. Why have that bad luck follow you in your marriage?

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July 6, 20110 found this helpful

Just commenting here, because I want to propose myself. I make about $70,000 per year, so I CAN afford to live, and pay my rent, bills, etc. However, that does not mean I have $5k to $10K to drop cash money on a ring. My credit is OK, its not perfect, my score is in the mid-600's, but with the economy credit is tough to come by. I just want to buy a ring, make my $200-300 per month payment for a few years, and maybe pay it off early if things work out. Maybe this guy is in a similar situation. Its not always black and white.

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Buying a Wedding Ring With Bad Credit
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