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. 

Here at Progressive Leasing, we value transparency and want to make sure you know exactly what to expect when you use our lease-to-own purchase option. If you haven't applied for Progressive Leasing yet, you can do so by clicking here. To help you better understand your lease-to-own agreement, we’ve included some important terms that you can review here. Below we have listed some common FAQs to help you with your new lease-to-own agreement.

When can I make changes to my account?

You will receive an email welcoming you to Progressive Leasing shortly after taking possession of the merchandise. This welcome email will confirm that your lease-to-own agreement has been funded and will give you details on your payments, 12-month lease-to-own total, and early buyout options. Once you have received your email, you may contact us to schedule your 90-day purchase option or make changes to your payments. You also have the option to create an online account by clicking here.

When is my first scheduled payment?

We won't take any scheduled recurring payments before you receive your merchandise. Once you receive your merchandise, you will receive a welcome email confirming your first payment date. You have a 10-day grace period after you receive your merchandise where no payments will be scheduled. Your payment frequency is based on the payday schedule you provided during your lease-to-own application. You will also receive a payment reminder email prior to each scheduled payment.

When are my payments?

Your payments are scheduled on your paydays. This is based on the payday frequency you provided on your application. Once you receive your welcome email, you can view your payment schedule online by creating an account here. If you need to make any changes to your payments, please contact us. We would be happy to assist you.

How can I take advantage of my 90-day purchase option?

When your lease begins, you are automatically set up for low, convenient payments scheduled to fulfill the remaining 12-month lease-to-own total. You also have the option to buy out your lease within the first 90-days (3-months in CA). This amount includes the cash price, plus the lease-to-own cost for the first 90-days. Taking advantage of this option will save you the most money. To use the 90-day buyout option, please contact us once you receive your welcome email and we’ll help you set up payment arrangements.

Where will my payments be taken from? 

Your primary payment method is the bank account or card number you provide during your lease-to-own application. These payment methods will also be used on any open lease-to-own agreement you may currently have. You have the option to change your payment method at any time during the length of your lease-to-own agreement. If at any time a payment is unsuccessful, we will attempt to withdraw the funds from your secondary payment method.

Can you help me understand my remaining 12-month lease-to-own total?

When you signed your lease-to-own agreement, Progressive Leasing purchased the merchandise you selected. You then lease that merchandise from us until all required payments are made. Your remaining 12-month lease-to-own total includes the cash price and the lease-to-own cost, plus estimated sales tax. We do offer several early buyout options that will save you money. To take advantage of an early buyout option, please contact us.

When will I receive my merchandise?

To discuss the delivery or pickup of your merchandise, please contact the retailer that the merchandise was purchased from. After your initial payment, no payments will be due until you receive all of your merchandise. If your welcome email contains the wrong delivery date, please contact us.

What if I can't afford my payments?

If your recurring payment amount is more than you can afford, Progressive Leasing may have options for you. To discuss your options, please contact us.

You are purchasing the item(s) from Progressive, and local sales tax is added to your recurring lease-to-own payments.

Your estimated sales tax rate is based on the address you provided on your lease-to-own application and the laws associated with that area. Your estimated sales tax rate may change at any time during your lease-to-own agreement depending on the area in which you reside.

Estimated sales tax will be included in your initial payment and every payment thereafter. Another way to think about this is the full estimated sales tax is not collected up front, but rather paid as you go.

To help you save money, Progressive Leasing offers two different early purchase options with each lease-to-own agreement. Our standard lease-to-own agreement is 12-months and offers easy-to-budget payments that align with the dates you receive your paycheck. Paying off your lease-to-own agreement early will help reduce your 12-month lease-to-own total and allow you to own your merchandise sooner.

90-Day (3 months in CA)

You can buy out your lease-to-own agreement within the first 90-days. This amount includes the cash price, plus the lease-to-own cost for the first 90-days. Taking advantage of the 90-day purchase option will save you the most money! You will need to call us to exercise this option. Once this option is set up with one of our service representatives, you may make payments online in MyAccount.

Early Buyout

The Early Buyout option offers you the most flexibility and is available to you throughout the 12-month term of your lease-to-own agreement. The Early Buyout is a percentage of the unpaid 12-month lease-to-own total. Taking advantage of this purchase option will save you money on your 12-month lease-to-own total.

If you’d like to take advantage of one of our Early Purchase Options, please call in and speak with one of our service representatives to set up payment arrangements. You may also make a one-time payment online to pay your account in full. To learn how to make a payment, click here. To learn more about your lease-to-own agreement, click here.

Our standard agreement offers 12-months to ownership, if scheduled payments are made. Remember you are leasing the merchandise you selected until you make all payments or call us to exercise an early purchase option.

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. 

Yes! Progressive Leasing may allow you to have more than one active lease-to-own agreement at a time. Each lease-to-own agreement will require a new lease-to-own application approval and initial payment.

To apply for a new lease, please click here.

If you’re approved for another lease-to-own agreement, you can shop at any store that is partnered with Progressive Leasing. You will then sign a new lease-to-own agreement and make an initial payment.

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’s lease-to-own option is not a loan, financing or 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. If you complete all standard recurring auto-lease payments or exercise an early purchase option, you will own the product(s).

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 Lease-to-own agreements are set up for 12-month to ownership.

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

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 in your Progressive Leasing account. Copies sent are computer-generated and include a digital signature.

Scand the QR code to download the app and get access to the account 24/7

Your 12-month lease-to-own total includes the retail cash price, plus the lease-to-own cost for the full term of your lease. This amount could cost more than double the retail cash price. This amount, plus estimated sales tax, is what you agree to pay by signing the lease-to-own agreement. 

Your remaining 12-month lease-to-own total is calculated by subtracting your payments made.

Cash Price + Lease-to-own cost – payments received = Remaining 12-month lease-to-own Total + Estimated Sales Tax

You can pay weekly, every 2 weeks, twice a month, or monthly; whatever works for you! Once you have completed the required payments, the items are yours to keep.

To learn how to view your current remaining 12-month lease-to-own total and all payments made, click here.

To understand more about your lease-to-own agreement, click here.