Financing Options at Le’Coeur Cosmetics

Financing Options at Le’Coeur Cosmetics
At Le’Coeur Cosmetics, we understand that beauty is personal—and so is your financial journey. That’s why we offer flexible, transparent in-house financing to help you access the products you love without compromise. Whether you’re investing in stunning jewelry, luxurious fragrances, skincare essentials, or curated beauty packages, our financing plans put convenience and control in your hands.
Why Finance With Us?
  • Simple, Fast Approval: Our approval process is designed to be straightforward. We perform a hard credit check, but we do not require a minimum credit score. The only automatic disqualifier is active bankruptcy.
  • Flexible Financing Options: Choose from a revolving line of credit that lets you shop now and pay as you go, or an installment loan with fixed payments perfect for larger purchases.
  • Competitive, State-Compliant Rates: Interest rates vary based on your credit profile, loan type, and state laws — all clearly disclosed upfront, with no hidden fees or surprises.
  • Convenient Application: Apply online, by phone, or have a representative email you a printable application. No need to visit a physical location — we make it easy and accessible.
  • Relationship-Focused Service: We value every customer. Our team provides personalized support to guide you through the application, payment options, and beyond.
How Our Financing Works
  1. Check Eligibility: You must be 18 or older, have a valid Social Security Number, and provide state-issued identification.
  2. Choose Your Financing Type:
    • Revolving Line of Credit: A flexible credit limit you can use repeatedly for purchases, paying monthly based on your balance.
    • Installment Loan: Fixed-term loans with consistent monthly payments, ideal for financing packages or larger purchases.
  3. Submit Your Application: Complete our quick online form or apply via phone. A representative will assist you if needed.
  4. Make a Down Payment: Down payments range from 10% to 50%, depending on your purchase and financing plan.
  5. Receive Your Products: After approval, we’ll promptly process and ship your order.
  6. Manage Your Payments: Pay easily with money order, credit, or debit card. Remember, missed payments 30+ days late may affect your credit report. If you face challenges, contact us — we’re here to help.
Additional Benefits
  • No Annual Fees: Currently, we do not charge any annual fees on our financing plans, helping keep costs down.
  • Early Payoff Flexibility: Want to pay off your balance early? There are no prepayment penalties — pay what you want, when you want.
  • Credit Line Increases: Need more credit? Request an increase based on your account history, purchase purpose, and relationship with us. Some increases may be automatic.
  • Secure and Confidential: We take your privacy seriously, using secure systems to protect your information throughout the application and payment process.
What Can I Finance?
Our financing covers all Le’Coeur Cosmetics products, including:
  • Jewelry collections
  • Skincare and beauty essentials
  • Fragrances and perfumes
  • Literature and beauty guides
  • Exclusive product bundles and packages
Please note, financing is available for products only; we do not finance services.
Frequently Asked Questions
Have more questions? Visit our comprehensive FAQ page for answers about eligibility, payments, returns, and more.
Ready to Beautify Your Life Today?
Don’t wait to get the products you want. Applying is simple and quick, and our team is ready to support you every step of the way.
📧 finance@lecoeurcosmetics.com
📞 (855) 532-6387
Or get started right now with our secure online application form.
At Le’Coeur Cosmetics, we’re committed to making beauty accessible—because you deserve to shine on your terms