How it works

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With thousands of retail locations, you can choose our lease-to-own solution on items such as appliances, furniture, jewelry, electronics, mobile devices, mattresses, and more.

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Begin your application in one of three ways

Online

If you are a returning customer you can apply through your account.

Download the app

New customers can apply through our mobile app. Follow the apply now links on this site to begin.

In-store

Talk to your customer service rep about our simple in-store application.

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Apply on phone

To apply you will need:

Our application process is tailored for those with less-than-perfect credit, meaning our decision to approve you for a lease is based on more than simply your credit score.

Apply on phone

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Once approved

Go shopping for leasable items at your store of choice.

Approvals are good for up to 90 days.

If you need to step away for any reason you can resume your application or finalize your lease at any time.

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Review, sign and make your initial lease payment

An initial payment will be collected when you sign your lease. Your next payment will not be due until at least 10 days after you receive your merchandise.

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Checkout and take your items home

In most cases you can take your items home upon checkout.

For large items or items ordered online they will arrive according to the typical delivery schedule of the retailer.

Your lease begins upon receipt of your purchased items.

To create a better today and unlock the possibilities of tomorrow through financial empowerment.

Ownership by rental/lease agreement with Progressive Leasing costs more than the retailer’s cash price. Select items only. Cancel or purchase early at any time. Not available in MN, NJ, VT, WI, WY.