Does Progressive Leasing require a credit check?

Progressive Leasing uses a soft credit inquiry that has zero impact on your FICO score. Approval is weighted toward your bank account history, income consistency, and employment — not your credit score. People with scores under 580 are regularly approved.

How much can I finance with Progressive Leasing?

Progressive Leasing offers approval amounts up to $5,000 for qualifying customers. The minimum purchase is $200. The exact amount depends on your income, banking history, and other factors evaluated during the application.

What is the Progressive Leasing 90-day Early Purchase Option?

The 90-day Early Purchase Option lets you pay off the retail cost within the first 90 days of your lease, plus a small fee. This saves significantly compared to the full 12-month lease. You must call Progressive Leasing to set this up.

What stores accept Progressive Leasing?

Progressive Leasing is accepted at 30,000+ locations including Best Buy, Walmart, Ashley Furniture, Lowe's, Mattress Firm, Zales, Kay Jewelers, Samsung.com, Home Depot, Target, IKEA, GameStop, and Amazon via the app.

Is Progressive Leasing legit?

Yes. Progressive Leasing is a subsidiary of PROG Holdings, Inc. (NYSE: PRG), a publicly traded company. It holds an A+ BBB rating and has served millions of customers since 1999. Always read your lease agreement carefully before signing.

✦ A+ BBB Rated · 30,000+ Retail Locations

Progressive Leasing
Makes Ownership
Simple for Everyone

Lease-to-own furniture, appliances, electronics, tires & more — no credit score required. Get an instant decision in 60 seconds and bring home what you need today.

Apply Now — Free ⚡ See How It Works →

$5,000Max Approval

60sDecision Time

30K+Retail Locations

A+BBB Rating

⚡ Instant Decision · No Credit Score · Up to $5,000

⚡ Instant Decision

Apply for Progressive Leasing

No credit score required · 60-second decision

Simple Process

How Progressive Leasing Works

From application to taking your item home — it takes just minutes, requires no credit score, and is available at 30,000+ stores nationwide.

01📋

Apply in 60 Seconds

Fill out a quick application in-store or online. Basic info only — income and bank account details. No credit score needed.

02✅

Instant Decision

Progressive evaluates income and banking history — not just credit scores. Most applicants get a decision in under 60 seconds.

03🛒

Shop at 30,000+ Stores

Use your approval at Best Buy, Walmart, Ashley Furniture, Lowe's, Mattress Firm, and thousands more partner locations.

04📦

Take It Home Today

Progressive buys the item upfront so you can take it home the same day. No waiting, no layaway, no large upfront payment.

05💳

Make Easy Payments

Automated payments aligned with your paycheck — weekly, biweekly, or monthly schedule.

06🏠

Own It Outright

Use the 90-day Early Purchase Option to save the most, or complete all scheduled payments and the item is yours.

Soft inquiry only

No FICO score impact

90-Day purchase option

Pay retail, save on fees

Return items anytime

Cancel lease, return merch

How It Works →

→ Read Full FAQ → Tire Financing → Customer Reviews → All Services

Our Products

Progressive Leasing Financing Services

Flexible lease-to-own solutions designed for every American — regardless of credit history.

Most Popular Furniture lease to own Progressive Leasing

Lease-to-Own Financing

Progressive's flagship product. 12-month lease with flexible payments and a 90-day Early Purchase Option to minimize total cost. Ideal for furniture, appliances, electronics, and more.

Learn More →

Shop Anywhere Progressive Leasing app shopping

App-Based Shopping

Shop directly through the Progressive app at Amazon, Walmart, Best Buy, Target, IKEA, Dell, Home Depot and more — all from your phone with your pre-approved amount.

Learn More →

View All Services →

Payment Calculator

Progressive Leasing Payment Calculator

Estimate your payments and see exactly how much the 90-day Early Purchase Option saves you.

Item Price

$200$5,000

Payment Schedule

⚠️ Estimates only. Actual payments are set by your signed Progressive Leasing agreement. Fee rates vary by location.

Estimated Payment

$30.77

per biweekly payment

Total Cost

$1,300

26 payments

Lease Fee

+$500

above retail price

⚡90-Day Early Purchase Strategy

Pay within 90 days

$800

You save

$500

Pay within 90 days and save vs full 12-month term.

Apply for Progressive Leasing — Get Your Real Offer →

Why Choose Progressive

The Progressive Leasing Advantage

Built for the 121 million non-prime Americans who are underserved by the traditional credit system.

🎯

No Credit Score Required

Approval based on income, banking history, and employment — not your FICO score. Scores under 580 are regularly approved.

⚡

60-Second Decision

Progressive's underwriting engine delivers an approval in about 60 seconds — right at the point of sale or from your phone.

🔍

Complete Transparency

Total lease cost, payment schedule, and all fees shown before you sign. No hidden surprises — you know exactly what you're agreeing to.

💳

Flexible Payments

Weekly, biweekly, or monthly payment schedules that align with your paycheck date — making it simple to stay on track.

🏬

30,000+ Retail Partners

The largest lease-to-own retail network in the US — Best Buy, Walmart, Ashley Furniture, Lowe's, Mattress Firm, Zales, and thousands more.

📦

Return Items Anytime

Return merchandise and cancel your lease at any time with no further obligation. Maximum flexibility built in.

Apply for Progressive Leasing on mobile phone

Apply in 60 Seconds

No credit check. Instant decision.

Apply Now →

Happy family at home with Progressive Leasing

Real People. Real Results.

The furniture your family deserves — today, not someday

Progressive Leasing has helped over 4 million Americans furnish their homes, upgrade their appliances, and access the technology they need — all without a credit check or large upfront payment.

4M+

Customers Served

25+

Years in Business

A+

BBB Rating

Apply Now — Free →

Real Customer Experiences

What Customers Say About Progressive Leasing

Millions of customers served since 1999. Here's what real users share about their experience.

Tracy H.

Columbus, OH

★★★★★

"Needed a refrigerator urgently with no credit. Progressive approved me in under a minute at Best Buy — fridge delivered next day. Painless process."