The complete eligibility requirements — from age and income to banking and residency. Simple, predictable, and designed to include shoppers who traditional lenders often turn away.
Progressive Leasing focuses on your ability to pay rather than your credit history. Here's the complete list.
Or 21 in states like Alabama and Nebraska.
Required for identity verification and federal compliance.
Open at least 90 days with regular deposits — savings-only doesn't qualify.
Employment, self-employment, or benefits (SSI, VA, retirement) — no specific minimum.
Driver's license, state ID, or US passport — shown at store checkout.
All 50 states and Puerto Rico. Residential address required (no PO boxes).
Here's what won't disqualify you — unlike traditional credit cards or loans.
Yes. Progressive Leasing does not require a traditional FICO credit score. First-time credit users are welcome as long as you meet the other requirements (income, banking, age, ID, US residency).
Bankruptcies within the last 6 months may lead to a decline. Older bankruptcies generally do not disqualify you if your current income and banking are stable.
No. You need an active US checking account open at least 90 days with regular deposits. Prepaid cards, savings-only accounts, and business accounts don't qualify.
There's no specific dollar minimum, but your income must comfortably cover the payment schedule. Progressive Leasing evaluates your income-to-payment ratio during underwriting.
Common reasons include recent bank overdrafts, very new checking account (under 90 days), income that doesn't cover payments, or existing outstanding Progressive Leasing agreements. You can typically reapply after 30 days.
Yes — you don't need to be a US citizen, but you must be a legal US resident with an SSN or ITIN, US residential address, and US phone number.
Prequalify with Progressive Leasing. No credit check. No obligation.