Furniture is one of the most common Progressive Leasing categories. Whether you're furnishing a first apartment, replacing worn-out pieces, or outfitting a new home, Progressive Leasing's lease-to-own program lets you take furniture home now and pay over 12 months — with the 90-day early purchase option available to keep total cost near retailer cash price.
Furniture Categories Eligible
Most furniture for personal or household use is eligible for Progressive Leasing at participating retailers:
- Living room: Sofas, sectionals, loveseats, recliners, coffee tables, end tables, TV stands, media consoles, and accent chairs
- Bedroom: Bedroom sets, bed frames, dressers, nightstands, chests, and headboards
- Dining room: Dining sets, tables, chairs, buffets, sideboards, and bar stools
- Home office: Desks, office chairs, bookcases, filing cabinets, and computer workstations
- Outdoor furniture: Patio sets, outdoor sofas, dining sets, and umbrellas (availability varies by retailer)
- Youth furniture: Bunk beds, kids' bedroom sets, and study desks
Where to Shop for Furniture
Ashley HomeStore
The largest furniture retailer in the U.S., Ashley HomeStore offers a broad The lease-to-own program selection across bedroom, living, dining, and home office categories. Available at Ashley locations nationwide.
Big Lots
Value-priced furniture at Big Lots stores with The program. Includes sofas, bedroom furniture, and home decor at lower price points than specialty furniture retailers.
Rooms To Go
Room package pricing and individual pieces at Rooms To Go locations across the Southern and Eastern U.S.
Value City Furniture
Mid-range furniture selection at Value City locations across the Midwest, Mid-Atlantic, and Southeast.
Bob's Discount Furniture
Furniture and mattress packages at Bob's Discount Furniture stores in the Northeast and expanding markets.
Independent Furniture Retailers
Thousands of independent furniture stores nationwide participate in the Progressive network. Ask at the point of sale.
How Much Furniture Can You Lease?
Your The provider approval amount — typically $200 to $5,000 — sets your total furniture spend in a single lease. The approval covers the retailer's cash price plus applicable tax. Delivery charges may or may not be included, depending on the retailer and state.
| Approval Amount | What You Can Furnish |
|---|---|
| $500 – $1,000 | A single sofa or loveseat, or a modest bedroom set |
| $1,000 – $2,000 | A sectional, or a full living room set (sofa + coffee table + end tables), or a queen bedroom set |
| $2,000 – $3,500 | A full living room set plus a mattress, or a bedroom set plus dining set |
| $3,500 – $5,000 | Multi-room furnishing (living room + bedroom + dining room package) |
Cost Example: Financing a $2,000 Living Room Set
Assume you lease a $2,000 sofa-and-loveseat set from Ashley HomeStore using It:
| Payoff Path | Approximate Total Cost |
|---|---|
| 90-day early purchase | ~$2,100 (about 5% above cash price) |
| 6-month early purchase | ~$2,600 |
| 12-month standard term | ~$3,400+ |
Illustrative example only. Your actual amounts are disclosed in your The company lease agreement and vary by state and payment frequency.
Furniture-Specific Tips
- Coordinate delivery with your first payment. Your first recurring payment is scheduled for your next payday after delivery, with a minimum 10-day gap. If you delay delivery, the payment schedule shifts.
- Confirm delivery charges. Some retailers include standard delivery in the The LTO program amount; others may bill it separately. Confirm before you sign.
- Inspect furniture at delivery. Damaged or defective furniture should be reported to both the retailer and Progressive Leasing immediately.
- Save toward the 90-day payoff from day one. A $2,000 living room set requires about $667/month for 3 months to hit 90-day payoff. Set up an automatic transfer to a separate savings account the day you sign.
- Consider room packages over individual pieces. Retailers often price room packages more attractively than the sum of individual pieces, which stretches your Progressive Leasing approval further.