Progressive Leasing
for Furniture

Need a sofa, bedroom set, or dining table but don't have the cash upfront and no credit? Progressive Leasing lets you take furniture home today from thousands of retailers — including Ashley Furniture, Rooms To Go, and Conn's — with no credit score required and a decision in under 60 seconds.

This guide covers which furniture stores accept Progressive Leasing, how much you can finance, and how to use the 90-day Early Purchase Option to pay near retail price instead of the full lease total.

Which Furniture Stores Accept Progressive Leasing?

Progressive Leasing is available at over 30,000 retail locations, including most major furniture chains:

To confirm a specific store, check the Progressive Leasing store locator or ask in-store at checkout. Availability can vary by location.

How Much Furniture Can You Finance?

Progressive Leasing approves customers for up to $5,000. For most furniture purchases — a full living room set, bedroom furniture, or a quality mattress — this covers the entire purchase. The exact approval amount depends on your income, bank account history, and employment status. Your credit score is not a factor.

How the Payments Work

After approval, Progressive Leasing buys the furniture from the retailer and leases it to you. You make automatic payments weekly, biweekly, or monthly — aligned with your paycheck schedule. The lease term is 12 months, but there are two ways to pay less:

• 90-Day Early Purchase Option — pay off within 90 days and you pay only the retail price plus a small leasing fee (typically 7–10% above retail). On a $1,200 sofa, that's about $84–$120 extra instead of hundreds.
• Early Buyout — pay off at any point after 90 days at a reduced remaining balance.

What Furniture Can You Finance?

Progressive Leasing covers any durable furniture item, including:

• Sofas, sectionals, and loveseats
• Bedroom sets — bed frames, dressers, nightstands
• Dining tables and chairs
• Mattresses and box springs
• Home office furniture — desks, chairs, bookshelves
• Outdoor furniture

Step-by-Step: How to Apply for Furniture Financing

1. Visit a Progressive Leasing partner furniture store in person or shop online
2. Select your furniture and proceed to checkout
3. Choose Progressive Leasing as your payment method
4. Complete the 60-second application — income, bank account, employment
5. Receive an instant decision and take your furniture home the same day
6. Call Progressive Leasing within 24 hours to set up the 90-day Early Purchase Option