Finance and Lease-to-own – No Credit Needed!
No Credit Needed – Buy what you need, when you need it. We’ll give you the time to pay. Choose to pay over 12 months or a 90-day payment option. Pay your account off early and earn a payoff discount.
- US government-issued photo ID and SS# or ITIN#
- Three months of history with your current employer or current source of income
- Deposits totaling at least $1,000 per month into a checking account that has been open for 90 days or more
- No NSFs, excessive overdrafts, or negative balances on your current checking account
Frequently Asked Questions
How much can I be approved for?
You can be approved from anywhere between $500 to $5,000.
How do I make my payments?
Once you’ve made your initial payment in-store, future payments are automatically deducted directly from your checking account.
Progressive Leasing: Lease to Own
90-day purchase option
Our “No Credit Needed Leasing” through Progressive is perfect for applicants who have not established a credit history yet, or whose credit is not as good as they would like.
To Apply You Must:
- You must be 18-years or older
- Valid Social Security Number or ITIN
- Have routing & account numbers for active checking account
- Have a Credit or Debit Card
Frequently Asked Questions
What is lease-to-own or a lease-purchase program?
Lease-to-own is a convenient way to get the items you want now – without a big upfront payment or a long-term commitment. Progressive Leasing offers a great selection of retailers, affordable payments and flexible choices on how to purchase your items.
What is the process? How do I get started with a lease-to-own or lease-purchase option today?
- Complete an application. 2. If approved, go shopping for leasable items. 3. Review, sign your lease-to-own agreement, and make the initial payment. 4. Get your item(s) today or set up future delivery.
What do I need to apply?
You must be 18 years or older (19 in AL), have a valid Social Security Number or ITIN, routing and account numbers for an open and active checking account, and a credit or debit card.
How long does my approval last?
Your approval is valid for 90 days. If you have not signed a lease-to-own agreement within 90 days, your approval expires, and you can reapply with Progressive Leasing. At some retailers, if you do not sign your lease-to-own agreement that day, the order is cancelled. However, you can still create a new order if it is within the 90 days of your original approval.
Do you charge an application fee or any other up-front fee?
No, we do not charge an application fee or processing fee. Your initial payment will be made using the credit or debit card you consent to be charged in the lease-to-own agreement. This is the first payment for your lease and is part of the 12-month lease-to-own total. If you are not approved, you will not be charged anything.
How much can I get approved for by Progressive’s lease-to-own purchase program?
It depends. Applicants are evaluated on an individual basis and we look at many data points, including credit bureau reporting information, income, and banking history to determine approval amounts. These data points will indicate whether a lease-to-own agreement through Progressive Leasing would be a good fit for you and, if so, the approval amount.
Who do I contact if I have a question about my lease?
Contact a Progressive Leasing customer service representative at (877) 898-1970. Customer Service agents are available Monday through Friday from 10 a.m. to 7 p.m. (EST), Saturdays from 10 a.m. to 6 p.m. (EST) and closed Sunday. You may also access your account online via the customer portal, 24 hours a day 7 days a week at: https://myaccount.progleasing.com/.
How do I make payments?
During you lease signing, you agree for payments to be deducted automatically from your bank account and/or charged to your card you provided during the application process. Charges will appear on your statement as Progressive Leasing or Prog Lease, not the store where you selected your items.
Universal Disclosure: The advertised service is lease-to-own or a rental- or lease- purchase agreement provided by Prog Leasing, LLC, or its affiliates. Acquiring ownership by leasing costs more than the retailer’s cash price. Leasing available on select items at participating locations only. Not available in MN, NJ, VT, WI, WY.
90-Day Purchase Option: Standard agreement offers 12 months to ownership. 90-day purchase options cost more than the retailer’s cash price (except 3-month option in CA). To purchase early call 877-898-1970.