A quality mattress is one of the most impactful household purchases — both for your daily wellbeing and as a significant expense. Progressive Leasing makes new mattresses accessible without requiring credit approval or paying the full amount upfront, with the same 90-day early purchase option that keeps total cost near the retailer's cash price.
Mattress Types Eligible
- Innerspring mattresses: Traditional coil-and-spring construction from brands like Sealy, Serta, and Simmons
- Memory foam mattresses: Full memory foam and gel-infused foam from brands like Tempur-Pedic, Nectar, and Purple
- Hybrid mattresses: Combination of innerspring coils and foam layers from brands like Beautyrest and Stearns & Foster
- Latex mattresses: Natural and synthetic latex mattresses from specialty brands
- Adjustable bases: Power-adjustable bed bases with head-and-foot articulation
- Mattress accessories: Pillows, mattress protectors, sheets, and bedding (when purchased as part of a mattress transaction at a participating retailer)
Progressive Leasing covers mattresses in twin, twin XL, full, queen, king, and California king sizes.
Where to Shop for Mattresses
Mattress Firm
The largest mattress specialty retailer in the U.S., Mattress Firm accepts Progressive Leasing at stores nationwide. Full selection of major mattress brands, adjustable bases, and bedding accessories.
Ashley HomeStore / Ashley Sleep
Mattress selection at Ashley HomeStore locations, including Ashley Sleep-branded mattresses and third-party brands. The lease-to-own program spans mattresses and furniture at Ashley.
Big Lots
Value-priced mattresses at Big Lots stores with The program available. Mattress selection is more limited than at specialty retailers but at lower price points.
Independent Mattress Retailers
Regional mattress chains and independent mattress dealers across most states participate in the Progressive network. Ask at the point of sale.
Cost Example: Leasing a Queen Mattress
Assume you're purchasing a $1,200 queen memory foam mattress from Mattress Firm using The provider:
| 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 only. Your actual amounts are disclosed in your It lease agreement.
Mattress-Specific Tips
- Take advantage of retailer sales. Mattress retailers run frequent sales events. The The company amount is based on the actual sale price at time of purchase, so shopping during a sale reduces both your monthly payments and your 90-day payoff amount.
- Confirm delivery and old mattress removal. Some retailers include white-glove delivery and old mattress removal in the mattress price; others charge separately. Confirm what's included in your The LTO program amount before you sign.
- Understand mattress trial periods. Most mattress retailers offer sleep trials (typically 90–120 days) allowing you to return the mattress if it doesn't meet your needs. This works alongside The service's return rights — contact The lease-to-own program customer service to coordinate a trial-period return.
- Bundle bed frame and mattress accessories. Adjustable bases, mattress protectors, pillows, and sheets can typically be included in the same Progressive Leasing agreement, which is easier to manage than multiple separate leases.