Lease-to-Own Services — Progressive Leasing

Get approved for up to $5,000 with no hard credit check. Shop furniture, electronics, mattresses, tires, appliances, and jewelry at 30,000+ participating stores across the U.S.

$0
Hard Credit Pull
5 min
To Apply
$5,000
Max Approval
30,000+
Retail Locations
What We Offer

Service Categories

Choose from six major lease-to-own categories available at participating stores nationwide.

Lease furniture — sofas, beds, dining sets
Furniture Sofas · Beds · Dining Sets · Office Browse stores →
Lease electronics — TVs, laptops, gaming
Electronics TVs · Laptops · Tablets · Gaming Browse stores →
Lease mattresses — memory foam, hybrid
Mattresses Memory Foam · Hybrid · Adjustable Browse stores →
Lease tires and wheels at auto shops
Tires & Wheels New Tires · Wheels · Installation Browse stores →
Lease appliances — fridge, washer, dryer
Appliances Fridge · Washer · Dryer · Range Browse stores →
Lease jewelry — rings, bands, fine jewelry
Jewelry Rings · Bands · Fine Jewelry Browse stores →
Why Shoppers Choose

Lease-to-Own Benefits
No Credit Needed

Designed for shoppers who need household essentials today without a store credit card or personal loan.

30,000+
Participating Retail Locations
✓
No Hard Credit Check Required
Approval decisions factor in income and banking history — not your FICO score. Bad credit, no credit, or thin credit file are regularly approved.
⚡
Instant Approval in About 5 Minutes
Apply online, through the app, or in-store at the register. Most applicants receive an instant decision and can begin shopping the same day.
💰
90-Day Early Purchase — Near Cash Price
Pay off your full balance within 90 days and your total cost stays close to the retailer cash price. Planning your buyout date can save $400–$700.
📅
Flexible Payment Schedules
Choose weekly, bi-weekly, semi-monthly, or monthly payments that align with your paycheck. Automatic withdrawals keep things simple.
↩
Cancel Anytime — No Penalty
Return the merchandise at any point without a termination fee. You owe only the costs accrued up to the date of return.
Simple Process

How It Works in 4 Steps

1

Apply Online or In-Store

Complete the 5-minute application with your ID, checking account, and verifiable income. Get an instant decision with no hard credit check.

2

Get Approved up to $5,000

Receive your spending amount — typically $200 to $5,000 — and head to any of 30,000+ participating retail locations to shop.

3

Sign & Take Items Home

Review your payment schedule and total cost before signing. Make the initial payment and take your merchandise home the same day.

4

Pay Off or Own Outright

Make scheduled payments to own at 12 months, or use the 90-day early purchase option to pay close to the cash price and save significantly.

Read the Full Guide →

Ready to Apply?

No hard credit check required. Get an instant decision and shop at 30,000+ stores today.

See If You Qualify →