Our Partners

Legacy is excited to announce that we now offer financing through Synchrony bank with amazing promotional offers!

1. APPLY

Take two minutes to fill out our secure application online. It's quick, easy, and safe.

2. APPROVAL

Know in an instant if you're approved for the Legacy Luxury Card as soon as you submit your application or select from alternate payment choices.

Once approved, write down your temporary card number and start shopping online or in the stores right away. Make that perfect piece of jewelry yours!

PROMOTIONAL OPTIONS

6 MONTHS

No interest if paid in full within 6 months†

On purchases of $299 or more (after discounts) made with your Legacy Luxury Card. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 Months. Minimum monthly payments required.

12 MONTHS

No interest if paid in full within 12 months†

On purchases of $999 or more (after discounts) made with your Legacy Luxury Card. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 12 months. Minimum monthly payments required.

*IMPORTANT PROGRAM UPDATE

As of 07/16/2024 new promotional purchases made on plans longer than 18 months will be subject to Equal Payment No Interest (EPNI) fee of 2% that will be added to the following monthly billing statement.

24 MONTHS

No interest if paid in full within 24 months†

On purchases of $1,999 or more (after discounts) made with your Legacy Luxury Card. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 24 months. Minimum monthly payments required.

36 MONTHS

11.99% APR for 36 months†††

On purchases of $1999 or more (after discounts) made with your Legacy Luxury Card. Fixed monthly payments required for 36 months.

What is the Legacy Luxury Card? Jewelers offers customers a credit card through Synchrony with a revolving credit limit to use at www.legacyjewelrygallery.com and at Legacy Jewlery Locations.

What types of jewelry can be purchased using the Legacy Loves Card account?

The Legacy Luxury Card account can be used on all Legacy Jewelry products. Check out the latest engagement rings, wedding rings, diamond and gold rings, necklaces with diamond stone and gold metal types, bracelets, earrings and more for your next purchase.

Where do I check the status of my account?

To check the status of your Legacy Card account, click on the Synchrony button below to go to the Synchrony Bank website. After logging into your account, you will be able to:

· Make a payment

· View your balance

· Update your account information

· Schedule up to your next 12 payments

How do I apply for a Legacy Luxury Card?

You can apply for a Legacy Loves Card by applying online or at any of our participating retailer locations. 

How do I make a payment on my Legacy Card?

There are three convenient ways to pay your bill.

PAY ONLINE:
Click the link below to manage your account and make payments online.

PAY BY PHONE:
Contact Synchrony Bank Customer Service at 1-866-396-8254 during the hours listed below to make a payment by phone:

Monday - Sunday 7:30 am to 12:00 midnight EST

PAY BY MAIL:
Mail payments to the address below. Ensure that you have plenty of time for your payment to arrive prior to the due date.

Synchrony Bank
P.O. Box 960061
Orlando, FL 32896-0061

 †Qualifying purchase must be on one receipt. Discounts may result in the qualifying purchase amount not being satisfied. No interest will be charged on the promo purchase if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo purchase from the purchase date. The required minimum monthly payments may or may not pay off the promo purchase by the end of the promo period. Regular account terms apply to non-promo purchases and, after promo period ends, to the remaining promo balance. For new accounts: Purchase APR is 29.99%. Minimum interest charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

†††Qualifying purchase amount must be on one receipt. Discounts may result in the qualifying purchase amount not being satisfied. Interest will be charged on the promo purchase from the purchase date at a reduced 9.99% APR, and fixed monthly payments are required until paid in full. These payments are equal to 2.49 % of initial total promo purchase amount, rounded up to the next whole dollar. These payments may be higher than the payments that would be required if the purchase was a non-promo purchase. Any monthly payment shown in connection with this promotional offer excludes taxes and delivery and should allow you to pay off the promotional purchase within the promo period if (1) you make your payments by the due date each month and (2) this is the only balance on your account during the promo period. If you have other balances on your account, this monthly payment will be added to the minimum payment applicable to those balances. Regular account terms apply to non-promo purchases. For new accounts: Purchase APR is 29.99%; Minimum interest charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

††††Monthly payment shown is equal to the promo purchase price (excluding [taxes and delivery]) multiplied by 2.49%, rounded to the next highest whole dollar, and only applies to the selected financing option shown. If you make your payments by the due date each month, the monthly payment shown should allow you to pay off this purchase within the promo period if this balance is the only balance on your account during the promo period. If you have other balances on your account, this monthly payment will be added to the minimum payment applicable to those balances.

†††††For new accounts: Purchase APR is 29.99%. Minimum interest charge is $2.

 Lease-to-own is a convenient way to get the items you want now – without a big upfront payment or a long-term commitment. Progressive Leasing offers a great selection of retailers, affordable payments and flexible choices on how to purchase your items 

Online
If you are a returning customer you can apply through your account.
Download the app
New customers can apply through our mobile app. Follow the apply now links on this site to begin.
In-store
Talk to your customer service rep about our simple in-store application.

Social security number or ITIN
Bank account details
Credit or debit card
To be 18 years or older

Our application process is tailored for those with less-than-perfect credit, meaning our decision to approve you for a lease is based on more than simply your credit score

You will have 12 months to pay the lease off in full. There is a 90 day buy-out option and at any time during the lease you can pay it in full. 

The Lease-to-Own Program from Progressive can be a great way to get what you want right now. Progressive offers a simple lease-to-own program.  If you complete all standard recurring auto-lease payments or exercise an early purchase option, you will own the product(s).

Standard agreement offers 12 months to ownership. Early purchase options cost more than the retailer’s cash price (except 3-month option in CA). To purchase early call 877-898-1970.

Lease-to-own is a convenient way to get the items you want now – without a big upfront payment or a long-term commitment. Progressive Leasing offers a great selection of retailers, affordable payments and flexible choices on how to purchase your items.

What is the process? How do I get started with a lease-to-own or lease-purchase option today?

1. Complete an application. 2. If approved, go shopping for leasable items. 3. Review, sign your lease-to-own agreement, and make the initial payment. 4. Get your item(s) today or set up future delivery.

Your approval is valid for 90 days. If you have not signed a lease-to-own agreement within 90 days, your approval expires, and you can reapply with Progressive Leasing. At some retailers, if you do not sign your lease-to-own agreement that day, the order is cancelled. However, you can still create a new order if it is within the 90 days of your original approval.

.

It depends. Applicants are evaluated on an individual basis and we look at many data points, including credit bureau reporting information, income, and banking history to determine approval amounts. These data points will indicate whether a lease-to-own agreement through Progressive Leasing would be a good fit for you and, if so, the approval amount.

Contact a Progressive Leasing customer service representative at (877) 898-1970. Customer Service agents are available Monday through Friday from 10 a.m. to 7 p.m. (EST), Saturdays from 10 a.m. to 6 p.m. (EST) and closed Sunday. You may also access your account online via the customer portal, 24 hours a day 7 days a week at: https://myaccount.progleasing.com/.

Progressive Leasing will buy the leasable item(s) you selected from the retailer and lease those items to you. If you complete all standard lease payments or exercise an early purchase option, you will own the item(s).

Standard agreement offers 12 months to ownership. Early purchase options cost more than the retailer’s cash price (except 3-month option in CA). To purchase early call 877-898-1970.

You can cancel your lease at any time. You have the right to return the items to Progressive Leasing without additional charge or penalty, and you will owe nothing further except unpaid lease-to-own costs. To cancel your lease call us at (877) 898-1970.

During you lease signing, you agree for payments to be deducted automatically from your bank account and/or charged to your card you provided during the application process. Charges will appear on your statement as Progressive Leasing or Prog Lease, not the store where you selected your items.

Full terms are in your lease-to-own agreement, which will be mailed and emailed to you. Your lease-to-own agreement is also available at https://myaccount.progleasing.com/. Copies sent are computer-generated and include a digital signature.

Progressive Leasing’s lease-to-own option is not credit. With a credit transaction, financing or a loan, you make a purchase with borrowed money that must be repaid, often with interest. With a lease-to-own agreement with Progressive Leasing, we purchase the items you select from the retailer. Then, you sign a lease-to-own agreement to lease that merchandise from Progressive. Progressive owns the merchandise, and you can take ownership after making all standard lease payments or through an early purchase option.

Standard agreement offers 12 months to ownership. Early purchase options cost more than the retailer’s cash price (except 3-month option in CA). To purchase early call 877-898-1970.

Applying for a lease-to-own agreement with Progressive Leasing should not impact your FICO score; however, we do look at credit bureau reports, and this inquiry may appear on your credit report.

“No Credit Needed” means that you don’t necessarily need to have credit history or a strong credit score to be approved for lease-to-own. We do check credit bureau reports; however, we look at many other data points to make a final decision, and we regularly approve customers with less than perfect credit or very little credit history.

Progressive Leasing obtains information from credit bureaus. Not all applicants are approved.

Progressive Leasing will only make soft inquiries to the big three Credit Bureaus (Transunion, Experian & Equifax). Other secondary bureaus, however, do not offer a soft inquiry option.

An inquiry occurs any time an individual or business requests a copy of a person’s consumer bureau report – also known as a credit report. The bureaus keep a record of all inquiries made. Creditors and scoring models could consider inquiries a negative factor in a consumer’s report. On a soft inquiry, the inquiry is only visible to the consumer if requesting a copy of their own consumer report, whereas a hard inquiry can be seen by other credit reporting agencies and may impact FICO or other credit scores.

Yes. Credit bureau reports are requested for all applicants, but Progressive Leasing looks at many data points in these reports besides credit scores. By doing so we can approve many customers with less than perfect credit or with a thin credit file or no credit file.

We look at many different data points in our decisioning process. This may include credit information, income, and banking history.

No. We do not currently report to credit bureaus. Progressive Leasing provides a lease-to-own purchase program, not credit.

Our decisioning process allows us to consider more than just credit reports and credit scores. We regularly approve people with less than perfect credit or very little credit history. However, not all applicants are approved.

Because we do not know what items you will select, we cannot yet tell you your recurring auto-payment amount, 12-month lease-to-own total, payment schedule, etc. These details will be in your lease-to-own agreement, which will be emailed to you after you apply, get approved, and select your items. You’ll have an opportunity to review all of these terms before you sign. There is also a convenient payment estimator (here) that you can use after you tell us where you want to shop. If you have any additional questions you can always speak with a Progressive Leasing customer service agent at (877) 898-1970.

Your recurring auto-payment schedule will begin on your next scheduled payday after you receive your items. If that first payday isn’t at least 10 days after delivery, we’ll wait until the next payday.

Standard Lease-to-own agreements are set up for 12-month to ownership

Yes. You can purchase the product at any time. You can take advantage of a 90-day purchase option (3-month purchase option in CA) as provided in your lease-to-own agreement. This is the least expensive lease-to-own purchase option and expires 90 days (3 months in CA) after your item(s) are delivered. After this option expires, you can exercise an early purchase option for less than the total of remaining 12-month lease-to-own total, as described in your lease agreement.

Standard agreement offers 12 months to ownership. Early purchase options cost more than the retailer’s cash price (except 3-month option in CA). To purchase early call 877-898-1970.

Our standard agreement offers 12-months to ownership, if scheduled payments are made. Remember you are leasing the merchandise you selected until you make all payments or call us to exercise an early purchase option.

Standard agreement offers 12 months to ownership. Early purchase options cost more than the retailer’s cash price (except 3-month option in CA). To purchase early call 877-898-1970.

We understand that unexpected situations come up that may prevent you from continue to lease-to-own your merchandise. If you find yourself unable to continue with your lease-to-own agreement, please feel free to call Customer Service to discuss your options. (877) 898-1970. You can cancel your lease at any time. You have the right to return the items to Progressive Leasing without additional charge or penalty, and you will owe nothing further except unpaid lease-to-own costs. To cancel your lease call us at (877) 898-1970.

We are happy to work with you to find a payment schedule that works. If you need to discuss potential changes to your payments, please call us at least three business days before your next scheduled payment.

The 12-month lease-to-own total includes the cash price of the items and the lease-to-own costs. It is the total of all scheduled lease payments, which includes your initial payment. You will also be responsible for applicable sales tax. Acquiring ownership by leasing costs more than the retailer’s cash price.

No, but you will receive a letter welcoming you to Progressive Leasing with basic information about your lease –to-own agreement, including your payment amount and frequency, 12-month lease-to-own total and early purchase options. Your account can also be accessed online 24 hours a day 7 days a week at: https://myaccount.progleasing.com/.

Standard agreement offers 12 months to ownership. Early purchase options cost more than the retailer’s cash price (except 3-month option in CA). To purchase early call 877-898-1970.

To return your item, contact Progressive Leasing customer service at (877) 898-1970. Progressive will evaluate the product to determine the proper course of action. The item could be returned through the retailer you select or sent directly to Progressive. You can cancel your lease at any time. You have the right to return the items to Progressive Leasing without additional charge or penalty, and you will owe nothing further except unpaid lease-to-own costs. To cancel your lease call us at (877) 898-1970.

You need to contact Progressive Leasing customer service at (877) 898-1970. Progressive will evaluate the product to determine the proper course of action.

If you merchandise has been lost, stolen, or damaged please call our customer service line for further information. (877) 898-1970.

Please contact Progressive Leasing at (877) 898-1970.

Layaway is an in-house program that allows guest to put an item on hold for up to 90 days and make payments over time. Once an initial deposit of 20% is placed, there are no minimum payments over the 90 days and as soon as the item is paid in full it is yours to take home.

Are returns allowed?

Yes, Returns are allowed under Leacy normal return poiicy

You can cancel your layaway and put it back on layaway with another deposit for another 90 days.

After the 90 days has expired a corporate check will be issued to the person and address on file. 

No, you get your money back in the same form as you paid or via a corporate check. 

How much is the deposit?

The deposit is 20% of the sales price.

Are there any items that are excluded from going on Layaway? 

Yes, Items on clearance, in our meta section, special orders and custom pieces do not qualify for layaway

Is there a minimum price point that is required to put something on layaway?

Yes, the minimum must be at least $200.

90 days