Electronics are often the most urgent lease-to-own purchase — a broken laptop for work, a TV for the living room, a gaming console for a child's birthday. Progressive Leasing lets you finance any electronics purchase at Best Buy, Walmart, Amazon, and thousands more with no credit score required and an instant decision.
Electronics Stores That Accept Progressive Leasing
- Best Buy — TVs, laptops, tablets, gaming, cameras, appliances
- Walmart — Electronics department, phones, gaming
- Amazon — Via Progressive app shopping (online)
- Target — Electronics and gaming section
- Dell — Computers and monitors online
- Samsung — Phones, TVs, appliances
- Conn's HomePlus — TVs, laptops, appliances
What Electronics Can You Finance?
- Smart TVs — 40" to 85"+ from Samsung, LG, Sony, TCL
- Laptops and notebooks — MacBook, Dell, HP, Lenovo
- Gaming consoles — PlayStation 5, Xbox Series X, Nintendo Switch
- Tablets — iPad, Samsung Galaxy Tab
- Smartphones — iPhone, Samsung Galaxy
- Desktop computers and monitors
- Headphones, soundbars, home theater systems
- Cameras and drones
What It Costs — Real Example
| Item | Retail Price | 90-Day Payoff | Full 12-Month |
|---|---|---|---|
| 55" 4K Smart TV | $700 | ~$756 | ~$1,138 |
| MacBook Air M2 | $1,099 | ~$1,187 | ~$1,786 |
| PS5 Console | $499 | ~$539 | ~$811 |
| iPhone 15 | $799 | ~$863 | ~$1,299 |
The 90-day option adds only 7–10% above retail. The full 12-month lease adds roughly 62%. Always call to set up the 90-day option on day one.
Shop Online with the Progressive App
Progressive Leasing's app lets you shop at Amazon, Walmart.com, Dell, and other online retailers using your pre-approved amount — directly from your phone. Apply in the app, get approved, and shop immediately. This makes Progressive Leasing one of the most flexible lease-to-own options for online electronics purchases.
Remember: Always call Progressive Leasing the same day you sign to set up the 90-day Early Purchase Option. See the complete 90-Day Payoff Guide →
Is Progressive Leasing Worth It for Electronics?
For most people, yes — if you use the 90-day Early Purchase Option. Here's the honest breakdown:
If you pay off within 90 days, you pay roughly 7–10% above the retail price. On a $700 TV, that's about $49–$70 extra. That's a reasonable short-term financing fee for immediate access to something you need.
If you pay the full 12-month lease, the total cost can be 60%+ above retail. A $700 TV can end up costing $1,138 over 12 months. That's when Progressive Leasing becomes expensive.
The key rule: treat it like a 90-day loan, not a 12-month lease. Budget for it, set a reminder, and call to set up the early purchase option on the day you sign.
Tips to Maximize Your Electronics Purchase
- Apply in-store at Best Buy or use the Progressive app for online retailers
- Pick one item you need most — don't max out your approval on multiple devices
- Set up the 90-day Early Purchase Option by phone the same day you sign
- Use the Progressive Leasing payment calculator at progressiveleasingusa.com to estimate your total cost before you apply
- Check for store sales — Progressive Leasing approves the retail price, so buying during a sale means you pay less total
What If You Get Denied?
A denial from Progressive Leasing does not impact your credit score. If you're denied, the most common reasons are a bank account that's too new (under 90 days), a card that doesn't match your account, or insufficient income history showing in your account. See our denial fix guide for the exact steps to address each reason before reapplying.
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