Shop the furniture, electronics, appliances, and other things you love — at 30,000+ stores nationwide. Instant approval. Pay a little at a time or own it in 90 days.
Progressive Leasing is a lease-to-own program that helps millions of Americans acquire the things they need — from a new mattress to a laptop — without a traditional credit card or bank loan. Instead of borrowing money, you lease the item and make small, predictable payments until you own it.
Because Progressive Leasing does not require a FICO score, it's especially useful for shoppers who are rebuilding credit, new to credit, or simply prefer a fixed monthly cost over revolving debt. Approval decisions are based on your income, banking history, and a soft inquiry — not a hard credit pull.
The entire process is designed to feel like checkout — not a bank loan. Most shoppers complete every step in under 10 minutes.
Fill in your name, address, income, and bank details. A soft inquiry — no impact to your FICO score — decides your lease amount instantly.
Use Progressive Leasing in-store or online. Show your approval code at checkout to lease furniture, electronics, tires, mattresses, and more.
Pick weekly, bi-weekly, or monthly payments that match your paycheck. Standard leases run 12 months with automatic payments from your bank.
Pay off within 90 days for the biggest savings, complete the standard lease, or return the item any time to end the agreement early.
If a traditional credit card feels risky or out of reach, these are the practical advantages of leasing.
A soft inquiry returns your approval amount in about a minute. No wondering, no waiting, and no risk to your credit score.
Approvals rely on your income and banking history — a lifeline for shoppers who are rebuilding credit or completely new to it.
Pay off within 90 days and you'll pay only the cash price plus your initial payment — the most cost-effective way to lease.
Your data is encrypted end-to-end. Progressive Leasing meets SOC 2 standards and never shares your information without consent.
Sync your payments to your paycheck — weekly, bi-weekly, or monthly — from any active US checking account.
Over 30,000 retailers — from Big Lots to Ashley Furniture, Best Buy partners, mattress stores, tire shops, and jewelers.
From everyday essentials to major upgrades, Progressive Leasing supports the categories most families need to keep their household running.
Every path has trade-offs. Here's an honest, side-by-side look so you can choose the right tool for your situation.
Understanding these three paths up front helps you plan your budget and choose the least expensive option for your situation.
The cheapest way to lease.
Predictable monthly payments.
Between 90 days and 12 months.
Reviews collected from Trustpilot, Google, and the Better Business Bureau.
"After my identity was stolen, my credit was shot. Progressive Leasing let me furnish my new apartment when nobody else would. Paid it off in 87 days and only paid the sticker price."
"The application literally took 90 seconds. I had a new washer and dryer set delivered the next day. Bi-weekly payments made it invisible in my budget."
"Great option for building up my apartment after a rough year. Just make sure you read the agreement — 12 months of payments does add up if you don't do early payoff."
Still deciding? These answers cover the most common questions people ask before applying.
Progressive Leasing does not require a traditional FICO credit score for approval. They use their own decisioning system that reviews checking-account history, income, and public records — approvals are common even for shoppers with limited or damaged credit.
The total cost depends on your lease term. Paying off within the 90-day early purchase window is the cheapest option — you pay the cash price plus a small initial payment. Standard 12-month leases typically cost roughly two times the retail price when paid on schedule.
Progressive Leasing is accepted at more than 30,000 retail locations across the United States and Puerto Rico, covering furniture, mattresses, electronics, appliances, jewelry, tires, wheels, mobile phones, and eyewear.
If you pay the cash price of the item plus your initial payment within 90 days of signing the lease, you own it outright with no additional cost. This is the most affordable way to use Progressive Leasing.
Yes. Because Progressive Leasing is a lease-to-own agreement — not a loan — you can return the merchandise at any time and end the lease with no long-term obligation, subject to the terms of your specific agreement.
Progressive Leasing does not report to the three major credit bureaus in the same way as a traditional lender, so timely payments won't build your FICO score. However, it also means missed payments won't automatically damage your credit report either.
Deep dives, comparisons, and money tips written for shoppers navigating alternatives to traditional credit.
Both help you avoid a credit card at checkout, but they solve different problems. Here's how to choose.
A step-by-step system for hitting the 90-day window and paying nothing more than the sticker price.
A category-by-category list of the highest-quality retailers in the Progressive Leasing network.
Get prequalified in about 60 seconds — no credit check, no obligation. Just answers.
