<prompt> Human: TL;DR Pretty much what the title says.Small backstory on why I want to buy the ring now rather than save for one So I crushed a sales goal at work and won a trip to a country my girlfriend of 4 years and I have always wanted to visit. It has been our number one location for quite some time now so of course I have to bring her. I was planning on proposing this year, I was just unsure about how I was going to go about it until now. Currently, I dont have enough saved to pay for it outright, nor do I foresee myself being able to before the trip, which is in March. Normally, I wouldnt rush a purchase like this, but I just found out that I won last week. Ive shopped around for the ring at a few retailers, and each sales rep seemed to push the financing fairly heavy. Being in sales I can smell a bad deal when its being presented to me. 9.9 - 24 APR. No thanks! But, I dont have credit so Im afraid that their financing may be my only option. What does rpersonalfinance think? Edit Sorry for my poor formatting. Im really trying here.  <response>: You do not need a ring to get engaged. Be over the top romantic, set up something that is amazing that she will love. Asked her to marry you.Ignore the wedding ring industry and what people tell you. If it is real, a ring on the day will not matter.I asked my wife spontaneously at a perfect time, she said yes, weeks later she asked for an engagement road bike. We got custom made rings 18 months later when we got married. Happily approaching 17 year anniversary.Marriage is not about the ring. There are many people with giant rings and crappy marriages. Be generous with your time and attention.Best marriage advice I ever got: Dont marry a selfish person, do not be a selfish partner.Good luck 