Electronics are one of the highest-volume Progressive Leasing categories. Best Buy leads the participating retailer network in this space, but Progressive Leasing also extends to independent electronics retailers, computer stores, and select mobile carrier retail locations across the U.S.
Electronics Categories Eligible
- Televisions: 4K UHD, OLED, QLED, and standard TVs from Samsung, LG, Sony, TCL, Hisense, and Vizio
- Laptops: Windows laptops, MacBooks (subject to state and retailer restrictions), Chromebooks, and gaming laptops
- Desktops and monitors: Desktop PCs, all-in-ones, gaming desktops, and standalone monitors
- Tablets: iPads, Samsung Galaxy Tabs, and other Android tablets (device-only; carrier bundles may be excluded)
- Smartphones: Unlocked and carrier smartphones (availability varies significantly; state restrictions apply)
- Gaming consoles: PlayStation, Xbox, and Nintendo consoles
- Gaming accessories: Controllers, headsets, gaming chairs, and VR headsets
- Audio: Headphones, wireless earbuds, home theater systems, soundbars, and turntables
- Cameras: DSLR cameras, mirrorless cameras, action cameras, and consumer drones
- Smart home: Smart displays, security cameras, smart thermostats, and connected devices
Where to Shop for Electronics
Best Buy
The largest electronics retailer participating in the Progressive Leasing network. Full selection across TVs, computers, gaming, appliances, and smart home available online and in stores nationwide.
Best Buy shopping guideCricket Wireless
Lease-to-own smartphones through Cricket Wireless. Available online and in participating stores. The lease is with The lease-to-own program; the service plan is billed separately by Cricket.
Independent Electronics Retailers
Local computer stores, home theater specialists, and independent electronics dealers across the country participate in the The program network. Ask at the point of sale.
Other Participating Retailers
Various regional electronics retailers, appliance stores with electronics sections, and specialty retailers accept Progressive for eligible electronics purchases.
Cost Example: Leasing a $1,000 Laptop
Assume you're purchasing a $1,000 laptop from Best Buy using The provider:
| Payoff Path | Approximate Total Cost |
|---|---|
| 90-day early purchase | ~$1,050 (about 5% above cash price) |
| 6-month early purchase | ~$1,300 |
| 12-month standard term | ~$1,700+ |
Illustrative only. Your actual amounts are disclosed in your It lease agreement.
Electronics-Specific Considerations
- Depreciation matters. Electronics depreciate faster than furniture. A phone or laptop leased at 12-month standard cost may be worth less than half your total paid by the time you own it outright. The 90-day payoff is especially important for depreciating electronics.
- Warranties and protection plans. Manufacturer warranties apply as normal on leased electronics. Store-offered protection plans (e.g., Best Buy's Geek Squad Protection) can typically be included in your The company agreement.
- Software and digital content. The LTO program does not cover software subscriptions, gaming subscriptions, streaming services, or downloadable digital content — only the physical hardware.
- State restrictions on mobile devices. Some states impose additional rules on lease-to-own for mobile devices. Availability may vary by state, model, and whether the device is unlocked or bundled with carrier service.
- Return policies. Both the retailer's return window and The service's cancellation rights apply. If you want to return a leased electronic device, contact Progressive Leasing customer service to coordinate the return.
Progressive Leasing vs. Store Credit for Electronics
Most major electronics retailers offer their own credit card or promotional financing alongside Progressive Leasing. For example, Best Buy has the My Best Buy Credit Card issued by Citibank, which offers 0% APR promotional financing on qualifying purchases. If you qualify for a 0% APR promotional financing offer and can pay off the balance within the promotional window, that's typically the lowest-cost path.
Progressive Leasing is designed for the shopper who doesn't qualify for the store card's promotional financing. In that context, the 90-day early purchase option keeps the total cost within the same ballpark as promotional financing.