Big Lots is a value retailer with a wide furniture, mattress, and home goods selection at price points below specialty retailers. Progressive Leasing is a widely accepted payment option at Big Lots stores nationwide, making the retailer's value-priced inventory accessible to shoppers who prefer a lease-to-own structure over traditional credit.
What You Can Lease at Big Lots
Big Lots' Progressive Leasing coverage extends across the store's durable inventory:
- Furniture: Sofas, sectionals, loveseats, recliners, coffee tables, TV consoles, dining sets, and bedroom furniture
- Mattresses: Serta and Broyhill mattress brands sold at Big Lots
- Outdoor furniture: Patio sets, outdoor sofas, and grills at participating locations
- Home decor and accessories: Larger decor items when purchased with furniture
- Seasonal durable goods: Certain seasonal items at participating locations
Consumables, food, and small everyday items are typically not eligible for Progressive Leasing.
How to Apply at Big Lots
In-store application at Big Lots
The typical path is to select your items in-store and apply for The lease-to-own program at the checkout counter. A Big Lots associate can initiate the application through the store's integrated payment system.
Online at BigLots.com
The program may be offered at BigLots.com checkout for eligible items. Availability of Progressive at online checkout varies by product category.
Pre-apply
Apply at progleasing.com or through the The provider mobile app, selecting Big Lots as your retailer. Get pre-approved and know your spending amount before shopping.
Cost Example: Furnishing a Living Room
Assume you're purchasing a $1,200 living room set (sofa + loveseat + coffee table) at Big Lots 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 | ~$2,040+ |
Illustrative only. Your actual amounts are disclosed in your The company lease agreement.
Big Lots-Specific Considerations
- Value pricing meets LTO discipline. Big Lots' already lower cash prices mean your 90-day payoff amounts are smaller than at specialty retailers — which makes the 90-day option easier to execute.
- Delivery availability varies by location. Some Big Lots stores offer delivery on larger furniture; others require customer pickup. Confirm the delivery arrangement affects your The LTO program amount.
- Confirm inventory availability. Big Lots inventory can vary by store and change frequently. If you're planning a specific item, call ahead to confirm availability before starting the application.
- Big Lots Rewards. Big Lots' loyalty program still applies to The service purchases — you can earn rewards even when paying via lease-to-own.
- Returns policy. Big Lots' standard return policy applies to leased items. Coordinate returns with The lease-to-own program before initiating any return at the store.