[Chorus]
With no money down
Pay later not now

[Verse 1]
Where was it I read—
Or was it mom who said
"You can't get somethin'"
"For nothin'"
"Son, whatever you get"
"You pay for with tears and sweat"
"'Cause nobody gets nothin'"
"For nothin'"
Oh, I should've
Thought about it twice
But when I ask the man about the price
He said, "You can have those rings—"

[Chorus]
With no money down
(No money down, you can start your dreams)
Pay later—(And pay later)—not now (Not now)

[Verse 2]
So, baby, I bought those rings
And I brought you all my dreams
'Cause I love you
I-I-I love you
And I thought they guarantee
That you'd always be in love with me
Yes, I loved you
Oh, you know I love you
I didn't care how much they cost
I never thought the meaning could get lost
So, I bought some rings—
[Chorus]
With no money down
(With no money down, tryin' to start my dreams)
Pay later—(And pay later)—not now (Not now)

[Bridge]
Oh, I thought
I got a good deal
I knew your love
At that price was a steal
But, baby, now
That our love's gone bad
Girl, I feel a little cheated
I feel like I've been had rings—

[Outro]
With no money down
(No money down, and I got some dreams)
Pay later—(But look what I'm feelin' now)—not now
(Alone)
With no money down (With a room full of tears)
(Rings)
Pay later not now (That I'll be paying for for years)
(And I—)
With no money down (Don't know where you've gone)