Available at Best Buy, Walmart, Lowe's & 30,000+ more
A step-by-step — from application to ownership. No credit score required, decision in 60 seconds.
Getting approved and taking home what you need is fast, transparent, and requires no credit score — from application to delivery in minutes.
Fill out a quick application at any Progressive Leasing partner store or online. You'll need your name, address, Social Security number or ITIN, active checking account info, and a debit or credit card. Must be 18+ years old.
Progressive Leasing uses a soft credit inquiry (no FICO impact) and evaluates income patterns, banking history, and employment. Most applicants receive a decision in under 60 seconds.
Use your approved amount at Best Buy, Walmart, Ashley Furniture, Lowe's, Mattress Firm, Zales, Samsung.com, Home Depot, Target, IKEA, GameStop, Discount Tire, Amazon (via app), and thousands more.
Review and sign the lease agreement. Total cost, all scheduled payments, fees, and your early purchase options are clearly displayed before you sign. Read every line — especially the 90-day option details.
Progressive Leasing purchases the item from the retailer upfront, so you can take it home the same day. No waiting, no layaway, no large upfront payment required.
Automated payments are set up to align with your paycheck — weekly, biweekly, or monthly. Payments are auto-deducted from your bank account or charged to your debit/credit card.
The smartest move: call Progressive within the first 90 days (3 months in CA) to pay just the retail price plus a small fee. This saves all the remaining leasing costs. You must call in to set this up.
Either pay off via the 90-day option, use the Early Buyout (available throughout the 12-month term), or complete all scheduled payments. Once done, the item is fully and legally yours.
Not what you expected? Return the merchandise to the retailer and cancel the lease at any time. No further payment obligation once the item is returned.
Progressive Leasing offers two early purchase options that can significantly reduce your total cost. Here's exactly how they work.
Pay the full retail price of the item within the first 90 days (3 months in CA), plus a small leasing fee for those 90 days. This is the best way to use Progressive Leasing — it saves you the entire remaining lease fee.
Important: You must call Progressive Leasing to set up the 90-day option. You cannot do it through the app or website alone. Call as early as possible in the lease term.
Available throughout the 12-month term — pay a percentage of the remaining 12-month lease total. Saves some cost vs. completing the full term, but less savings than the 90-day option.
Note: The exact Early Buyout amount decreases as you make payments. Call Progressive Leasing anytime to get your current buyout figure.
Unlike traditional lenders, Progressive Leasing evaluates far more than your credit score. Here's what matters most for approval.
You must have an active checking account that is at least a few months old with consistent transaction history. This is the single most important factor.
Regular deposits into your bank account that show a consistent income pattern. Freelance, gig, and part-time income can qualify — consistency matters more than amount.
Identity verification against government records. Name, SSN or ITIN, and address must match. Be 18 years or older.
A valid debit or credit card for your initial payment and future automated payments. The card should be linked to the bank account on your application.
You cannot have an existing unpaid or active Progressive Leasing agreement. Prior defaults or unpaid balances are common denial reasons.
Progressive obtains information from credit bureaus but a high credit score is not required. The inquiry is soft — zero impact on your FICO score.
