Get financed for the engagement ring you are looking for.

Rent to Own Wedding Rings

Find the Rent to Own Wedding Rings with payments as low as $69.00 you want to finance, and fill out our easy credit application. We have several items showcased below, and be sure to check out our entire selection of jewelry available.

Credit Score Needed for Engagement Ring

We provide easy financing for engagement rings with bad credit. This allows us to focus on your situation and the credit score needed for engagement ring. We will contact you with the terms of your financing agreement. We have FREE shipping and will get your ring to you fast!

Engagement Ring Financing Bad Credit

Have you been turned down and can't find a solutions to get the Engagement Ring Financing Bad Credit you want? Click the banners above, find something you like and click "Apply" for payments as low as $69.00. Then, let us do the rest. Don’t settle for rings from a Pawn Shop, used merchandise or salvaged items. You have a big chance to make a lasting impression, and you’ve decided now is the time. These things are important to us! We are here to help, since we have the connection with lenders wanting to make your dream come true. Our lenders understand your need to get a quality diamond, not just something that is cheap or won’t create a buzz. These items can be expensive, and most people don’t have the cash lying around to pay (or provide a required down payment) for these large purchases.

Can you make payments on an engagement ring?

Yes, we have options to setup payments for your purchase. You can quickly and easily get minimum monthly required payments, interest rates and number of payments. Don't forget that we have rent to own and lease programs available. We are ready to help you get started with the option that is best for you.

Wedding Ring Sets

If you are looking for a rent to own wedding ring set, then you are preparing to pop the big question! We want to help. Check out our selection of white gold engagement rings. We want to connect you with the perfect diamond ring for your partner. We have financing options available to people of all credit levels. Check our more general information on our engagement rings.

Do you offer a no credit check option and can I be guaranteed that you will finance me?

We do offer a program where "No Credit is needed". However, it important to note we do not offer a guarantee for approval. Bankruptcy in your history is ok, and keep in mind that credit score may not be the primary underwriting metric. This is all important, because we can be creative and can quickly identify what is needed to get you approved.

What will my APR be?

Each annual percentage rate (APR) percentage will vary based on which lender they are approved through and other data points from our application. Our lenders APR rates are great and competitive within our market and we know you will be happy.

Looking for the perfect ring?

Congratulations! We are excited for your current or upcoming engagement. This is a special moment for you, and nothing speaks louder than a beautiful ring. No cash? No problem. We can help. Don’t settle for less than your best. Get a ring that makes you feel proud and will keep them happy for many years to come. This purchase needs to stand the test of time, which means you need to buy high quality and the best styles available.

What kinds of bands do you carry?

Most rings come in a base of rose gold, yellow gold or white gold bands. Most of the bands come in 14 Karat (Kt) or 18 Karat (Kt) gold. While the value of 24 Kt gold is higher, jewelry made from 24 Kt gold is more pliable and therefore more likely to scratch or bend. While 10 Kt bands are much more sturdy, they tend to have less 'shine' over time and maintain a lower value. We put our focus at the 14 Kt to 18 Kt range where the gold is more valuable and shines longer than 10 Kt, but is more affordable and sturdy than 24 Kt bands.

What styles of diamond cuts do you carry?

We have several different kind of Engagement Rings with several different cuts of diamonds ranging from Halo cut, Solitaire, Split Shank, Princess cut and more. We try to choose popular diamond cuts that make the diamond sparkle when light touches it. We want your bride to look dazzling in her engagement ring. If you have a particular cut in mind that you don't see here, call us and let us know. We will find what you need.

What size diamonds do your Engagement Rings have?

Our rings have a variety of options. Most of our selection has a centerpiece that falls between 0.5 Carat (Ct) and 1.5 Carat (Ct). If you are looking for a larger diamond centerpiece, that's ok, we can still get you a bigger centerpiece diamond. Call us or fill out our application and tell us what you are looking for and we can show you additional options.

Diamond Information

If you want to read more about diamonds, try the links below. Be sure to scroll down a little on the pages for the remaining content on the page.

This page discusses diamond clarity grading and what codes to look for.

If you need information about diamond color grading, this is a great link to review.

See what GIA Diamond Grading is all about.

How to value a diamond can be important in the process as well.

Gold Information

Want information on white gold, yellow gold and rose gold? Then check out these links.

Have you always wondered how is white gold manufactured? This can give you insight on what metals are used for this product.

Are you interested in the what it means to have a larger karat ring? Find out here with how is gold kt defined?

Online purchasing is quick and easy

Do you know what you are looking for? Have you found the item elsewhere? Our online store can be a simple and fast approach to find your item. If you can’t find exactly what you desire, please apply or call us. We specialize in finding your item (or something comparable), which will fit your needs. We might even find an upgrade for a similar price. The last thing you want to be worrying about is finding someone to help…you have many other things that need your attention and planning.

Don’t know where to turn?

Shopping for an engagement ring can be overwhelming to say the least. It is easy to get lost in the details of the purchase, such as clarity of the ring, band sizes and latest fads. Don’t worry! We’ve helped many other people, even those with bad credit, find the product they want. Don’t forget, we also have a selection of many other items, so don’t just stop with this….find more to purchase!


"To Alex and ShopECredit, Hey I wanted to send you a big THANK YOU for helping me get everything taken care of. I was having trouble affording a ring that my girlfriend (now fiance!) deserved and my credit score was not good, so I couldn't get financing at any jewelry store around me. Luckily I found your website! Thanks for following up with me and making this happen. My fiance loves her new diamond ring. Thank again."

Todd - Kentucky

How Can We Help?

If you don't see something you like, we can still help! We can get you approved for financing, then you can show us what you want, even if it's not on our site. We can order it for you with the financing and have it delivered to you. Our goal is to make you happy.