How Progressive Leasing Works
Lease-to-own in four simple steps
Three easy ways to shop
Once approved, you can shop online, in store, or through the Progressive Leasing mobile app, depending on the retailer.
Online
Shop with participating retailers that offer online purchasing.
In-store
Visit participating retailers and complete your purchase in person.
Mobile app
Certain retailers are only available through the Progressive Leasing mobile app.
What items can I lease?
In general, if it's a product you can take home and use over time for your personal or household needs, it may be eligible. Services, subscriptions, consumable products, vehicles, and certain restricted items are generally not leasable.
Ready to apply?
Why customers choose Progressive Leasing
Lease-to-own helps you get eligible products when you need them without having to wait. We offer flexible payment options designed to fit your budget and a path to ownership that works for you.
No credit needed*
Credit is not required to apply for lease-to-own.
Instant decision
Apply online or in-store and get a quick decision.
Flexible payments
Choose weekly, biweekly, or monthly payments.
Flexible ways to complete your purchase
Complete the payment path that works best for you.
12 months to ownership^
Make scheduled payments for 12 months. This is stable and affordable, but the highest total cost.
90-day purchase option^
Pay the cash price plus lease cost within 90 days. This is the lowest total cost to ownership.
Early purchase option^
Complete your lease in under 12 months. This saves money on the total lease-to-own cost.
^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, or to cancel lease and schedule return of merchandise, you must call 877-898-1970. Retailer cannot activate early purchase options.
Frequently Asked Questions
Yes, you can cancel your Progressive Leasing lease at any time by calling (877) 898-1970. You have the right to return the leased items to Progressive Leasing without an additional charge or penalty. You will not owe anything further except unpaid lease-to-own costs.
If your payday changes or you need to adjust your payment schedule for another reason, call Progressive Leasing at (877) 898-1970 at least three business days before your next scheduled payment.
Yes. Progressive Leasing sends an email reminder 7 days before each scheduled payment to help you stay on track with your payment schedule.
You can make a one-time payment online or over the phone using our automated system. Keep in mind that how the payment is applied depends on your payment method:
Card payments are applied toward your upcoming payment(s).
Bank account (ACH) payments are in addition to your scheduled payments, and scheduled payments will continue to process.
We have step-by-step instructions to walk you through the process.
You can set up Auto-Payments through your Progressive Leasing online account or in the app. We’ve created step-by-step instructions to guide you through the process.
You can manage your payment methods through your Progressive Leasing online account, including adding a credit card to make one-time payments. We also have step-by-step instructions to walk you through the process.
After approval, you can manage your lease online through the customer portal 24/7. You can view your account details, make payments, and access lease information. If you need additional assistance, contact Customer Service at (877) 898-1970, Monday through Friday from 10 a.m. to 7 p.m. ET and Saturday and Sunday from 10 a.m. to 6 p.m. ET.