Pre-Application

Have you paid off your lease-to-own agreement in full and need our services again? First, congratulations on completing your lease-to-own agreement!

Applying again is fast and easy. Each new lease-to-own agreement will require a new application approval and initial payment. We use information from your previous lease-to-own agreement. Simply fill in the remaining information and submit! Once you choose a retailer to apply with, we will:

1. Verify information from your last lease-to-own agreement
2. Ask about your paydays
3. Have you review our Application Disclosure and click "Submit application"

That's it!

Ready to get started? Apply for a new lease-to-own agreement with Progressive Leasing: 

• Online
  Start searching for stores here If you are a returning customer, you can apply through your account. Log in here
• Download the app:
  Use the Progressive Leasing app to find the store you want and apply through our mobile app. Scan or click the QR code to download the app.

We understand that now, more than ever, online shopping allows you to get what you need when you want it - safely. Progressive Leasing partners with several retail stores that offer a complete online shopping experience. Now you can shop for merchandise and start a lease-to-own agreement with Progressive Leasing without leaving the comfort of your home!

To view our online stores, follow the steps below:

1. Go to our ‘Find a Store’
2. Search for a retailer by entering your city or zip code and changing your store type from ‘In-store’ to 'Online'

      3. Select the store you would like to shop at and click ‘Get Started’

Once approved online, you can log in to your account at https://www.progleasing.com/myaccount/ to continue with your approval.

You will order online with the retailer and sign your lease-to-own agreement electronically.

Once your lease-to-own agreement is signed and the initial payment has been made, you’re done!

Your merchandise will be delivered to your home, or it will depend on the retailer picked up at the store. To discuss delivery or pick-up options, please contact the store directly.

You must use your approval within 90 days. If you have any further questions, please contact us. We are here to help you!

Use the Progressive Leasing app. 

Use the Progressive Leasing app to find the store you want and apply through our mobile app. Scan or click the QR code to download the app.

Scan the WR code to apply with your mobile 

Progressive Leasing is available in over 30,000 retail partner locations across the U.S. (excluding Wyoming, New Jersey, Wisconsin, Minnesota, and Vermont). Our many retailer partners offer items such as furniture, electronics, jewelry, tires & wheels, mobile devices, appliances, mattresses and more.

To find a store near you:

1. Click here to be redirected to our ‘Find a Store’ page.

2. Type in your City or Zip Code and select the correct location in the drop-down options.

3. Choose your preferred shopping method by selecting ‘In-Store’ or ‘Online’.

You are now able to browse all retail locations in your area that use Progressive Leasing as their lease-to-own option. Once you’ve selected a store, you have the option to apply.

Use the Progressive Leasing app to find the store you want and apply through our mobile app. Scan or click the QR code to download the app.

Scan to download the app

If you're asked to provide additional information during the LTO application process, please follow the steps below to ensure timely processing.

What You Need to Send

• Government-Issued Photo ID:

  -  A clear copy of the front and back of your ID. 

  - A photo of you with the front of your ID; your face must be fully visible.

Government ID examples: Marticula Consular (Consular Identification Card), U.S. Passport, U.S. Resident Alien Card, U.S. State-issued Driver's License, U.S. State-issued Identification Card

• Recent Bank Statement: 

      - A bank statement dated within the last 30 days

• Recent Paystub 

  - A paystub dated within the last 30 days

• Two Proofs of Residence: Provide two different documents from the list below, each dated within the last 30 days:
  • Cell phone bill
  • Mortgage statement
  • Rent or lease agreement
  • Student loan statement
  • Utility bill

Where to Send Your Documents

Please email all requested documents from the email address we have on file to: verify@progleasing.com

This helps us confirm the documents are coming from you.

When You’ll Hear Back

Once we receive all required documents, please allow up to 5 business days for processing.
We will notify you by email once the review is complete and let you know whether we can move forward with your lease transaction.

Complete a lease application to learn your spending power. Your approval amount is based on factors such as your payment history with Progressive Leasing and information obtained from your credit bureau.

Begin your application in one of three ways: 

• In-store
  Talk to your customer service representative about our simple in-store application. 
• Online
  Start searching for stores here If you are a returning customer, you can apply through your account. Log in here
• Download the app:
  Use the Progressive Leasing app to find the store you want and apply through our mobile app. Scan or click the QR code to download the app.

Now follow these steps to get started:

1. Complete an application.
2. If approved, go shopping for leasable items.
3. Review, sign your lease-to-own agreement, and make the initial payment.
4. Get your item(s) today or set up future delivery. 

Your favorite store may not appear in our store list for a few reasons. It could be that the store is not currently a Progressive Leasing partner, or you might reside in a state where Progressive Leasing does not operate.

However, we’ve made it easy for you to shop in other ways! You can use our Marketplace feature to browse leasable items. This option allows you to compare prices across thousands of retailers and pay using the Progressive Leasing One-Time virtual card.

To get started, open the Progressive Leasing app and select “New Way to Shop." Please note that this option may not be available in certain states.

* Shop by item feature, compare prices between retailers, and virtual card payment only available in MN, NJ, VT, WI, WV, and WY.

Progressive Leasing looks at many different data points in the decision process. This may include credit information, income, and banking history.

If you have received an error on your application, it could mean that we have some incorrect information. This means that you have applied with us before, and your name, date of birth, or Social Security Number may differ from what was provided on your previous application.

If you receive an error on your application, please contact us, we’re here to help! We will verify that the information in our system is accurate. Once the corrections are made, it can take up to 2-3 business days to complete. Once we have corrected any misinformation, you may then reapply. We look forward to working with you!

Progressive Leasing is a no-credit-needed company. Our decisioning process allows us to consider everyone with less-than-perfect credit and we regularly approve those with imperfect credit or very little credit history. Your bank information may be used in this evaluation, as well as other data points including income and banking history. We understand that you may be hesitant to provide such sensitive information; however, we can assure you that we are committed to protecting your information and respecting your privacy.

Do you need help locating your bank account and routing number?

There are a few places to find this information:

• Log in to your online bank account.
• Contact your bank and request your routing and/or account number.
• If you have personal checks, your bank routing and account numbers will be located at the bottom of your check.

• If you know your account number but need your bank's routing number, a simple Google search with your state, bank's name, and the term 'routing number' will show your bank's routing number.

To start or continue your application, please click here. If you have any further questions or concerns, please contact us.

No, we do not charge an application fee or processing fee. Your initial payment will be made using the credit or debit card you consent to be charged in the lease-to-own agreement. This is the first payment for your lease and is part of the 12-month lease-to-own total. If you are not approved, you will not be charged anything.

Applying for a lease-to-own agreement with Progressive Leasing should not impact your FICO score; however, we do look at credit bureau reports.

Items for personal, family or household use may be available to be included in Progressive Leasing’s lease-to-own option. Eligible items include appliances, furniture, jewelry, electronics, mattresses, mobile devices and accessories, musical instruments, and more. Progressive Leasing will not allow certain kinds of items to be included on the lease-to-own agreement. Examples:  items that are prohibited from lease-to-own by law, items permanently attached to a home or vehicle, consumable or intangible items, and items that create an excessive risk defined by Progressive Leasing.

To see Leasable Items Principles and a complete list of leasable items, click here.

Applying is easy. You just need a few things to get started:
1. Proof that you are at least 18 years old
2. A valid Social Security Number or ITIN
3. Routing and account numbers for an open and active checking account
4. A credit or debit card

Begin your application in one of three ways: 

• In-store
  Talk to your customer service representative about our simple in-store application. 
• Online
  Start searching for stores here If you are a returning customer, you can apply through your account. Log in here
• Download the app:
  Use the Progressive Leasing app to find the store you want and apply through our mobile app. Scan or click the QR code to download the app.

Scan to download the app