Progressive Leasing

Shop with confidence and no credit needed

Here's Why You'll Love Our Lease-to-Own

  • No Credit Needed*

    There's no credit needed to apply for the lease-to-own purchase option.

  • Instant Decision

    Approvals up to $3,000.

  • Flexible Payments

    Simple weekly, biweekly or monthly payment options make it simple to use.

  • 90 Days Purchase Option†

    Save money when you pay off your lease early using our 90-day and early purchase options.

  • $49 initial payment**

    Furnish your dream home with a low initial payment.

    Limited Time Only!

Apply & Purchase Today

To purchase online

Once approved, shop for your items online and select Progressive Leasing during checkout as your payment method.

To purchase in-store

Visit your local Showroom and let an associate know you have been approved with Progressive Leasing.

Frequently Asked Questions

Select a topic below for answers to most commonly asked questions. Progressive Leasing can be reached at 877-898-1970 Hours of operation: Monday-Friday: 8am-7pm EST Saturday: 10am-6pm EST

  • What is lease to own purchase program?

    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 do I need to apply and how long does my approval last?

    You must be 18 years or older (19 in AL), have a valid Social Security Number or ITIN, routing and account numbers for an open and active checking account, and a credit or debit card.

    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.

  • Who do I contact if I have questions about my lease?

    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/.

  • Where can I access my lease agreement and how do I make payments?

    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/. 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.

  • What is meant by "No Credit Needed"?

    "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.

  • Does Progressive report to the credit bureaus? Can I build up my credit by doing a successful lease?

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

  • How is a lease different than a credit transaction, financing or a loan?

    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.

†Standard agreement offers 12 months to ownership. 90-day and other early purchase options cost more than the retailer's cash price (except 3-month option in CA). To purchase early or to cancel lease you must call 877-898-1970. Retailer cannot activate early purchase options.

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

**The initial payment (plus tax) is charged at the time of lease signing. Remaining lease payments will be determined upon item selection.

Ownership by rental/lease agreement with Progressive Leasing costs more than the retailer's cash price. Select items only. Cancel or purchase early at any time. Not available in MN, NJ, VT, WI, and WY.

If you have additional questions, see Progressive Leasing FAQS .

Get it today, no credit needed!