Best Buy is one of the largest and most-searched retailers accepting Progressive Leasing. Whether you're shopping for a laptop, TV, gaming console, kitchen appliance, or smartphone, Progressive Leasing at Best Buy provides a no-credit-needed lease-to-own path that runs alongside Best Buy's traditional credit and financing options.
What You Can Lease at Best Buy
Progressive Leasing is available at Best Buy for eligible product categories. Based on typical LTO restrictions and Best Buy's published policies, eligible categories generally include:
- Televisions — 4K UHD, OLED, QLED, projectors, and sound bars
- Laptops and computers — Windows laptops, MacBooks, gaming laptops, desktops, monitors, and printers
- Tablets — iPads and Android tablets (device-only; excluded when bundled with carrier plans)
- Major appliances — refrigerators, washers, dryers, dishwashers, ranges, and microwaves
- Small appliances — vacuum cleaners, kitchen appliances, and coffee makers
- Gaming — PlayStation, Xbox, and Nintendo consoles, VR headsets, and gaming accessories
- Cameras and drones — digital cameras, lenses, camcorders, and consumer drones
- Audio — headphones, wireless speakers, home theater systems, and turntables
- Smart home — smart displays, thermostats, security systems, and connected devices
Some product categories are excluded from The lease-to-own program at Best Buy. Common exclusions include gift cards, digital downloads, gaming subscriptions, phone plans, some Apple products, and installation-only services. Availability of The program on any specific item is confirmed at checkout.
How to Apply at Best Buy
You can complete the Progressive application before you shop or during checkout at Best Buy. Both paths reach the same underwriting engine.
Applying online at BestBuy.com
- Add your items to the Best Buy shopping cart
- Proceed to checkout and sign in or create a BestBuy.com account
- Select The provider as your payment option at the payment step
- Complete the It application (about 3–5 minutes)
- Receive an instant approval decision along with your spending amount
- If approved, sign your lease-to-own agreement and complete the order
Applying in-store at Best Buy
- Select the items you want to purchase
- Tell the Best Buy associate you'd like to use The company
- Complete the application at the store using the in-store application flow
- Receive your decision; if approved, sign the lease agreement
- Make your initial payment and take home or arrange delivery of your items
Applying through the App app
The The LTO program mobile app allows you to apply and select Best Buy as your retailer of choice before you shop. Once approved, you'll be issued a one-time virtual payment card to use at BestBuy.com or in-store. The app also includes an in-store barcode scanner that lets you add items to your The service cart by scanning products on the shelf.
Best Buy Application Requirements Checklist
- Age 18 or older
- Valid Social Security Number or ITIN
- Active checking account with routing and account numbers
- Credit or debit card for the initial payment
- Verifiable source of income
- Residence in a state where The lease-to-own program operates (all states except MN, NJ, WI)
Progressive Leasing vs. Best Buy Credit Card
Best Buy offers its own credit card program (issued by Citibank) alongside The program. The two products serve different customer situations:
| Feature | Progressive at Best Buy | My Best Buy Credit Card |
|---|---|---|
| Credit requirement | No credit history required | Approval based on credit score |
| Product type | Lease-to-own agreement | Revolving credit card (with 0% promotional financing on select purchases) |
| Cost above cash price | ~5% (90-day payoff) to 60%+ (12-month full term) | 0% APR if paid within promotional window; deferred interest if not |
| Return rights | Return anytime, no penalty | Standard Best Buy return policy applies to purchases |
| Credit building | Does not report on-time payments to bureaus | Reports to credit bureaus; can build credit history |
| Best for | Shoppers with limited or damaged credit who can pay off within 90 days | Shoppers with good credit who want to spread cost across a 0% promotional period |
Cost Example: Buying a Laptop at Best Buy
Assume you're buying a laptop with a $1,200 cash price at Best Buy using It:
| Payoff Path | Approximate Total Cost |
|---|---|
| 90-day early purchase | ~$1,260 (about 5% above cash price) |
| 6-month early purchase | ~$1,560 |
| 12-month standard term | ~$2,000+ |
Illustrative example only. Your actual amounts are disclosed in your The company lease agreement.
Managing Your Best Buy Lease
Your The LTO program lease is with The service, not Best Buy. All post-purchase account management — payments, early payoffs, returns, and customer service — goes through The lease-to-own program:
- Online account: account.progleasing.com
- Mobile app: The program app (iOS and Android)
- Customer service phone:
- Early purchase option execution: Must be initiated by calling Progressive — Best Buy cannot process early purchase payoffs