Progressive Leasing offers an easy budgeting tool that helps you estimate lease-to-own costs, excluding sales tax, before applying! When you use this tool, please keep in mind that your actual terms and pricing details may vary based on approval. 

To get your estimate:

1. Go to our Find a Store
2. Search for a retailer by entering your city or Zip Code and clicking ‘Estimate leasing cost’ (Ex. 1)

1. Fill out the cash price of the merchandise. 
2. Select how often you are paid. 
3. Click ‘Get my estimate’ (Ex. 2).

Within your estimate, you will see your estimates of the lease-to-own cost, 12-month lease-to-own total, recurring payments, early purchase options and much more! (Ex. 3)

Once you have reviewed your estimate, you will have the option to apply. (Ex. 4)

Yes. You can purchase the product at any time. You can take advantage of a 90-day purchase option (3-month purchase option in CA) as provided in your lease-to-own agreement. This is the least expensive lease-to-own purchase option and expires 90 days (3 months in CA) after your item(s) are delivered. After this option expires, you can exercise an early purchase option for less than the total of remaining 12-month lease-to-own total, as described in your lease agreement. 

*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 your lease, you must call 877-898-1970. Retailers cannot activate early purchase options. 

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 it matter that I have bad or no credit?

Our decision process allows us to consider more than just credit reports and credit scores. We regularly approve people with less than perfect credit or very little credit history. However, not all applicants are approved.

Does Progressive Pull Credit Reports?

Yes. Credit bureau reports are requested for all applicants, but Progressive Leasing looks at many data points in these reports besides credit scores. By doing so we can approve many customers with less than perfect credit or with a thin credit file or no credit file.

What's the difference between a hard and soft credit inquiry?

Progressive Leasing will only make soft inquiries to the big three Credit Bureaus (Transunion, Experian & Equifax). Other secondary bureaus, however, do not offer a soft inquiry option. An inquiry occurs any time an individual or business requests a copy of a person’s consumer bureau report – also known as a credit report. The bureaus keep a record of all inquiries made. Creditors and scoring models could consider inquiries a negative factor in a consumer’s report. On a soft inquiry, the inquiry is only visible to the consumer if requesting a copy of their own consumer report, whereas a hard inquiry can be seen by other credit reporting agencies and may impact FICO or other credit scores.

Will a lease-to-own application impact my credit score?

Applying for a lease-to-own agreement with Progressive Leasing should not impact your FICO score, but your score is determined by the credit bureaus and not Progressive. As part of the application process,  we do look at credit bureau reports.

Does Progressive report my lease-to-own application to credit bureaus? Can I build up my credit by doing a successful lease?

We do not currently report lease-to-own applications to credit bureaus. Progressive Leasing provides a lease-to-own purchase program, not credit.  We may report information about your lease to consumer reporting agencies, but we are not required to do so, even upon your request. Late payments, missed payments, timely payments, or other defaults on your Lease may, however, be reflected in your credit report.

Does Progressive report my payment activity to credit bureaus?

We may report information about your lease to consumer reporting agencies, but we are not required to do so, even upon your request. Late payments, missed payments, timely payments, or other defaults on your lease may, however, be reflected in your credit report.

C-2025-01

Progressive Leasing has a new mobile app experience that allows you to shop by item with any retailer. 

How to shop ANYWHERE:

1. Open your Progressive Leasing app and click the “Find your favorite retailer” option. Then select the “Apply now” option from the “New way to shop” banner at the bottom of the screen.

How to shop at your favorite retailer ONLINE:

1. Open your Progressive Leasing app and click the “Find your favorite retailer” option. Then select "Online" and look for the retailer of your preference. 

2. Start the lease application process and get a decision within minutes.

3. After completing the lease agreement, you will be issued a one-time virtual payment card. Use the virtual card at the retailer’s checkout in the same way you pay by credit/debit card. You can add it to your mobile wallet for a simple in-store or online checkout experience.

Scan the QR code to download the app. 

Frequently Asked Questions

What is the new feature in the Progressive Leasing App?
It is a guided lease-to-own purchase experience that is now available within the Progressive Leasing app. This new guided purchase experience has several features, including shopping by items, price
comparisons, and the ability to shop from many retail stores/brands of your choice.

How is this feature different from what is already available on Progleasing.com?
The feature expands the selection of retailers and provides more shopping options.

Is this only for online transactions?
This feature works for both in-store and online transactions.

What items can be leased with this new feature?
Items for personal, family, or household may be available to lease-to-own with Progressive Leasing’s lease-to-own option. Eligible items include appliances, furniture, jewelry, electronics, mattresses, mobile devices and accessories, musical instruments, and more. To view a complete list of leasable items, click here.

Can I lease-to-own multiple items in one transaction with this feature?
The feature currently allows for only one item to be included in the lease-to-own transaction at a time.

Why is my item not found in the search results?
If the retailer has not made their products available via Google shopping, you will not be able to search
for that item. If they have and you still cannot locate your item, then your item is either not leasable or is priced outside of your approval amount.

What is a one-time-use virtual payment card?
The virtual payment card is simple and works like any other physical debit/credit card. This
card is only accessible in the Progressive Leasing app.

How long is the virtual payment card available once activated?
The virtual payment card is valid for 3.5 hrs. after activation. Only activate the Virtual Debit (Pay) Card
when you’re ready to use it.

Why is the virtual payment card only good for 3.5 hours?
To prevent fraud, the virtual payment card is provided for your specific transaction to prevent fraud.
Once activated, the card is available so you can comfortably complete your purchase.

What if my virtual payment card time limit expires?
You’ll be able to refresh the virtual pay card time limit once. This can be done within the app.

Why is my favorite store not listed?
Only stores whose products are available via Google shopping will be listed in the search results.

I started using the feature within the app and I got interrupted. Does it save my info, or do I have to start from the beginning?
The guided lease-purchase flow saves your info and will allow you to resume from the point where you
left off after login.

* Shop by item feature, compare prices between retailers and virtual card payment only available in FL, DE, OR, NH, MT

The advertised service is a lease-to-own or a rental- or lease-purchase agreement provided by Prog Leasing, LLC or its affiliates. Progressive Leasing obtains information from credit bureaus. Not all applicants are approved. Acquiring ownership by leasing costs more than the retailer’s cash price. Leasing is available on select items at participating locations only. Currently only available in DE, NH, MT, FL and OR.

Did you know you can lease multiple items under a single lease approval? Once approved, you can choose multiple eligible items, as long as their total retail price stays within your approved amount from the selected retailer. By bundling everything into one lease, you'll make just one initial payment. Maximize your approval amount and start saving today!

Make the most of your approval when shopping with Progressive Leasing! Click here to apply.

You can also have up to two open lease-to-own agreements at a time. To learn more, click here.

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 and Sundays from 10 a.m. to 6 p.m. (EST).

You may also access your account online via the customer portal, 24 hours a day, 7 days a week. 

Scan to download the app.