15 Progressive Leasing Stores: Furniture, Electronics, etc

Progressive Leasing is a company that provides lease-to-own plans to consumers in partnership with a variety of retailers, and it allows you to make large purchases and pay for them over time. This can be convenient for many customers with bad or no credit — while stores with traditional financing plans frequently reject customers with poor credit, Progressive Leasing doesn’t run a credit check.

How Progressive Leasing Works

While Progressive Leasing does not pull your credit report, you must meet certain requirements to be approved. Progressive Leasing will examine your employment history, income, and banking history, among other things. Therefore, approval is not always guaranteed.

Once you’re approved for Progressive Leasing, the lease is signed, and your initial payment is received, Progressive Leasing purchases the merchandise from the retailer and simultaneously leases this merchandise to you, the customer. This means that Progressive technically retains ownership until you’ve paid off the lease.

To use your funds after getting approved, either select the payment option online or visit a participating store with your lease ID number and photo ID. A cashier will be able to look up your lease and help you complete your purchase. Note that f you apply through a specific store that offers Progressive Leasing, you cannot use your lease at a different retailer; however, you can use the lease at any location of the retailer where you applied.

Progressive Leasing doesn’t permit retailers to charge an application fee for its services and it won’t let the retailer pay any part of the initial payment. Progressive Leasing’s programs give you 90 days to pay off the purchase — often just your initial payment plus the purchase price of the item. You’ll also have buyout options for up to 12 months if you don’t pay in full within the first 90 days, but these will incur higher leasing fees (as opposed to interest).

Potential Drawbacks to Progressive Leasing

Be aware that if you have trouble making your payments on time, you can also face some consequences. If you contact the company before the missed payment’s due date, it may be willing to work out a solution with you. However, if you miss payments without notifying the company of your situation, you may default on your lease. Your account could be sent to collections, and your items could be repossessed.

Progressive Leasing has an A+ rating from the Better Business Bureau, but quite a few negative reports from customers; most complaints stem from negative experiences with customer service or the high total cost of the lease. Like any leasing, financing, or similar program, you’ll end up paying more than if you had bought the item in full upfront — more than double the item’s retail price, in some cases.

Restrictions by State

Note that 90-day payoff plans with Progressive Leasing aren’t available everywhere because of state laws. If you live in Minnesota, New Jersey, Vermont, Wisconsin, or Wyoming, you will have to explore other financing options. If you live in one of these states or are not fully comfortable using Progressive Leasing at this time, we also have the list of stores that offer layaway.

What We Recommend

If you’re looking for a department store that offers Progressive Leasing for all items, consider Shop Factory Direct. While it has no physical store locations, it offers a wide selection of products and multiple flexible lease repayment options. Similarly, the online discount store Overstock.com also offers Progressive Leasing for most items.

For more specialized retailers that offer Progressive Leasing programs, consider Best Buy for your electronics needs and Lowe’s or Ashley HomeStore for your home improvement and furniture needs. Furthermore, Reeds Jewelers is a good option for buying fine jewelry with Progressive Leasing, and it offers a wide selection of products and designers.

Stores That Use Progressive Leasing

Because stores that offer Progressive Leasing don’t run a credit check, many will require some proof of income and a credit card, debit card, or active checking account to prove your creditworthiness and use for the initial payment. As noted above, the payment structure is virtually the same for all Progressive Leasing programs — you have 90 days to pay off the item for just the price of the item and the initial fee, and if you don’t pay it off in 90 days, you typically have 12 months to complete the lease while incurring service fees.

Below, we list the popular department stores, electronics stores, furniture stores, jewelry stores, and tire stores that offer Progressive Leasing programs so you can make your purchase with a payment plan even with a low credit score. Within each category, we’ve ordered the lists starting with the best overall selection and leasing options.

You can use the table for a brief comparison of qualifying items and payment options, then click any store or scroll for more information.

Store In-store or Online Payment Options (Beyond Standard Lease Terms) Qualifying Items
Shop Factory Direct Online Buyout for 65% of the balance after 90 days, or make regular payments for 12 months All items
Big Lots Both Discounted buyout after 90 days Sofas, loveseats, sectionals, dining sets, mattresses, outdoor patio furniture, gazebos, umbrellas, grills, chairs, and other seasonal items
Conn's Home Plus Both Discounted buyout after 90 days Appliances, electronics, furniture, mattresses, and other home goods
Best Buy Both Discounted buyout after 90 days Most items, excluding prepaid cards, drones, self-balanced scooters, software, and other services
Cricket Wireless Both Discounted buyout after 90 days All
Lowe's Both Possible discounted buyout options after 90 days Appliances, barbecue grills, electric fireplaces, gazebos, hand tools, power tools, smart home accessories, and portable air conditioners
Ashley HomeStore Both 12-month max lease period All items, excluding non-tangible services
Mattress Firm Both 12-month buyout for 2.5 times the purchase price (plus fees) All items
Atlantic Bedding and Furniture Both Buyout for 65% of the balance after 90 days All items
Gallery Furniture Both Autodraft available All items from $300 to $3,000
Jordan's Furniture Both Buyout for 65% of the balance after 90 days All items
Jerome's Furniture Both 12-month buyout for 2.1 times the purchase price (plus fees) All items
Reeds Jewelers Both Discounted buyout after 90 days All items
Helzberg Diamonds Both Discounted buyout after 90 days or regular payments for 12 months All items
Overstock Online Discounted buyout after 90 days Furniture, appliances, jewelry, electronics, etc.; excludes non-tangible items
Dan the Tire Man Both Buyout for 65% of the balance after 90 days All items

Department Stores

Shop Factory Direct

  • Retail locations? No
  • Requirements:
    • Credit or debit card
    • Checking account open for at least three months with no NSF in the last 30 days
    • Regular source of income
    • Must be at least 18 years of age
  • Payment options:
    • 90-day payment option where, if paid within the first 90 days, you pay only the lease amount plus the initial $49 fee
    • Buyout option after the initial 90 days; you can elect to pay off the remaining balance of your contract for 65% of the remaining balance (plus fees)
    • Regular payments on a weekly, bi-weekly, or monthly basis for the full 12 months
  • Qualifying items: All items
  • Find out more or apply

Big Lots

  • Retail locations? Yes
  • Requirements:
    • Driver’s license
    • Social Security number
    • Active checking account
    • Employment information
    • Must be at least 18 years of age
  • Payment options: 90-day option with no additional fees; discounted buyout option after 90 days
  • Qualifying items: Sofas, loveseats, sectionals, dining sets, mattresses, outdoor patio furniture, gazebos, umbrellas, grills, chairs, and other seasonal items. You will need to check with a Big Lots associate for specific details.
  • Find out more or apply, or visit a Big Lots location

Conn’s Home Plus

  • Retail locations? Yes
  • Requirements:
    • Government-issued photo ID
    • Social Security number or ITIN
    • Credit card or debit card
    • Checking account and routing number
    • Must be at least 18 years of age
  • Payment options: 90-day payment option with buyout options after 90 days
  • Qualifying items: Appliances, electronics, furniture, mattresses, and other home goods.
  • Find out more or apply, or visit a Conn’s location

Electronics Stores

Best Buy

  • Retail locations? Yes
  • Requirements:
    • Must be at least 18 years old in most states (19 in Alabama)
    • Credit or debit card
    • Smartphone with internet access
    • Routing and account numbers for an open, active checking account
    • Social Security number or ITIN
  • Payment options: Choose from automatic deduction from your checking account or a recurring credit card charge. Standard leases are up to 12 months, but Progressive Leasing does offer early buyout options beginning at 90 days.
  • Qualifying items: Most items, excluding delivery, installation, Geek Squad protection, Apple Care, mobile phone plans, prepaid cards, drones, self-balanced scooters, and software. Further exclusions may vary by state.
  • Find out more or apply, or visit a Best Buy location 

Note: Best Buy’s Progressive Leasing program is not available in California, Colorado, Hawaii, Indiana, Iowa, Maine, Minnesota, Nebraska, New Jersey, New York, South Carolina, Vermont, Wisconsin, Wyoming, or Puerto Rico.

Cricket Wireless

  • Retail locations? Yes
  • Requirements:
    • Social Security number
    • Government-issued photo ID
    • Credit card or debit card
    • Active open checking account numbers
    • Source of income
    • Must be at least 18 years of age
  • Payment options: Pay $50 at a participating Cricket Store and subsequent payments to Progressive Leasing. Initial payment in California may be lower. 90-day payment and other early buyout options available. Choose from weekly, bi-weekly, or monthly payment options. You can choose up to five phones based on your lease amount, but the first phone must cost at least $150.
  • Qualifying items: All items
  • Find out more or apply, or visit a Cricket Wireless location

Home Improvement and Furniture Stores

Lowe’s

  • Retail locations? Yes
  • Requirements:
    • Credit or debit card for the initial payment
    • Routing and account numbers for an open, active checking account
    • Social Security number or ITIN
    • Must be at least 18 years old
  • Payment options:
    • 90-day payment option
    • 12-month lease
    • Early buyout options may be available depending on your contract. Your payment schedule and payment amounts will also vary depending on what merchandise you purchase.
  • Qualifying items: Appliances, barbecue grills, electric fireplaces, gazebos, hand tools, power tools, smart home accessories, and window/portable air conditioners
  • Find out more or apply, or visit a Lowe’s location

Ashley HomeStore

  • Retail locations? Yes
  • Requirements:
    • Credit or debit card for the initial payment
    • Government-issued ID
    • Social Security number
    • Must be at least 18 years old
  • Payment options: Weekly, bi-weekly, or monthly payment structure with a 12-month maximum lease period; minimum initial payment of $49
  • Qualifying items: Virtually all items, excluding non-tangible items like shipping costs and extended warranties
  • Find out more or apply, or visit an Ashley location

Mattress Firm

  • Retail locations? Yes
  • Requirements:
    • Social Security number or ITIN
    • Active checking account, open for at least three months with no overdrafts of NSF in the last 30 days
    • Steady income for at least six months
    • Deposits at least $500 per month
    • Must be at least 18 years or older
  • Payment options:
    • 90-day payment option, where you pay only the invoice price plus the $50 processing fee
    • 12-month pay off option where you pay 2.5 times the invoice price plus the invoice fee of $59
  • Qualifying items: All items
  • Find out more or apply, or visit a Mattress Firm location

Atlantic Bedding and Furniture

  • Retail locations? Yes
  • Requirements:
    • 30-day bank statement
    • Most recent pay stub
    • Photo ID
    • Voided or canceled check
    • Copy of your last W-2
  • Payment options:
    • 90-day payment plan, where you pay the invoice amount and a $49 application processing fee within 90 days of the delivery date
    • 65% buyout option; after 90 days you may own the merchandise outright by simply paying 65% of the balance left on the account
  • Qualifying items: All items.
  • Find out more or apply, or visit an Atlantic Bedding and Furniture location
  • Retail locations? Yes
  • Requirements:
    • Debit or credit card information to make the initial payment
    • Checking account number
    • Verifiable source of income
    • Names and contact info of two relatives not living with you
  • Payment options:
    • Make a down payment of $53 for the amount leased
    • 90-day payment option
    • Autodraft payment option
  • Qualifying items: All items with approval from $300 to $3,000
  • Find out more or apply, or visit a Gallery Furniture location

Jordan’s Furniture

  • Retail locations? Yes
  • Requirements:
    • Proof of employment
    • Active checking account
    • Debit or credit card to make your first payment
  • Payment options:
    • 90-day payment option: Pay the lease within 90 days of delivery and pay the initial payment of $49 and the lease amount (plus tax where applicable)
    • 65% buyout option: Any time after 90 days, you can buy and own your furniture or mattress for 65% of your lease balance
  • Qualifying items: Everything in stock
  • Find out more or apply, or visit a Jordan’s Furniture location

Jerome’s Furniture

  • Retail locations? Yes
  • Requirements:
    • Government-issued photo ID
    • Social Security number or ITIN
    • Credit or debit card
    • Checking account and routing number
    • Must be at least 18 years of age
  • Payment options:
    • 90-day payment where if you pay the balance off within 90 days you pay only the invoice price plus the $49 initial lease payment
    • Beyond 90 days, 12 monthly payments calculated at 2.1 times the invoice total
  • Qualifying items: All items
  • Find out more or apply, or visit a Jerome’s Furniture location

If none of these options work for you, there are more rent to own furniture stores (some requiring no credit check).

Jewelry Stores

Reeds Jewelers

  • Retail locations? Yes
  • Requirements:
    • Social Security number or ITIN
    • Credit or debit card
    • Routing and account numbers for an active checking account
    • Must be at least 18 years or older
  • Payment options:
    • 90-day payment option
    • 12-month Max Lease program
    • Early buyout after 90 days
  • Qualifying items: All items
  • Find out more or apply, or visit a Reeds location

Helzberg Diamonds

  • Retail locations? Yes
  • Requirements:
    • Social Security number or ITIN
    • Credit or debit card
    • Routing and account numbers for an open and active checking account
    • Must be at least 18 years or older
  • Payment options:
    • 90-day option where if you pay within 90 days, you pay only the invoice amount plus your initial payment
    • Regular payments for 12 months
    • Early buyout after 90 days
  • Qualifying items: All items
  • Find out more or apply, or visit a Helzberg location

Online Stores

Overstock

  • Retail locations? No
  • Requirements:
    • Must be 18 years or older
    • Social Security number or ITIN
    • Credit or debit card
    • Routing and account numbers for an open and active checking account
  • Payment options: 90-day payment option and other early buyout options; an initial payment of $49 will be due upfront
  • Qualifying items: Furniture, electronics, jewelry, appliances, etc. Extended service contracts, subscriptions or memberships, labor or installation, insurance, assembly fees, service protection plans, and other non-tangible items cannot be included in the lease.
  • Find out more or apply

Wheel and Tire Stores

Dan the Tire Man

  • Retail locations? Yes
  • Requirements:
    • Income of at least $1,000 per month
    • Active checking account in good standing and open for at least three months
    • Credit card or a debit card linked to your checking account
  • Payment options:
    • 90-day option, where you pay the $49 application fee plus the invoice price
    • Pay off anytime after three months but before 12 and pay 65% of the remaining lease amount
    • 12-month payment plan
  • Qualifying items: All items
  • Find out more or apply, or visit Dan the Tire Man’s store in Arizona

Need more options? See these top rent to own tire places with no credit checks.

Stores That Don’t Use Progressive Leasing

While many stores now offer leases through Progressive Leasing, there are still a number of nationwide stores that only offer traditional financing, or offer different leasing programs like WhyNotLeaseIt. The following stores do not use Progressive Leasing:

  • Amazon
  • Costco
  • The Home Depot
  • Kmart
  • Living Spaces
  • Mathis Brothers Furniture
  • Metro by T-Mobile (Formerly MetroPCS)
  • Sam’s Club
  • Sears
  • Target
  • Verizon Wireless
  • Walmart

In Summary

Progressive Leasing lets you make large purchases and pay for them over time, and it usually comes with fewer fees than many traditional financing programs. There’s no credit check, so these lease-to-own programs are available for those with less than perfect credit. If you’re looking to shop online using Progressive Leasing, consider Shop Factory Direct or Overstock.com. Additionally, you can use Progressive Leasing at popular nationwide stores like Best Buy, Lowe’s, Ashley HomeStore, and Reeds Jewelers. Be aware that with any lease-to-own or financing program, you will end up paying more than the original purchase price for your items. Make sure that you can afford the full cost of the least before using Progressive Leasing to make big purchases.

80 comments

  • I was approved for Progressive Leasing online on through the Big Lots website. Since then, I have discovered that there is another furniture store that I want to purchase from that also uses Progressive Leasing. I have not initiated any purchase nor given my lease ID to Big Lots. Can I use that approval at the other furniture store instead of Big Lots?

    • Lindsey Desmet says:
      First Quarter Finance logostaff

      Hello, Sandra! Great question! We contacted Progressive Leasing and found that while you can transfer your lease to a different Big Lots location, you cannot transfer it to a different retailer entirely. You will need to reapply for Progressive Leasing at the other furniture store. We have updated our article to include this information. Best of luck with your purchase!

  • I just applied and was approved for a 12-month lease with Lowe’s. You’re staying here that they don’t offer it; however, the Progressive Leasing site had it as an option. I just don’t understand how I shop. I don’t have a card from Progressive Leasing so how do I go in the store and shop?

    • Lindsey Desmet says:
      First Quarter Finance logostaff

      Hello, J! We apologize for the confusion regarding Lowe’s — it just began implementing Progressive Leasing at its stores in October. We have updated our article to reflect this change.

      If you were approved online, you should have received a lease ID number. To shop, visit the Lowe’s location you selected when applying. You will need your lease ID number and your photo ID. Once the cashier finds the lease and verifies your identity, they will help you complete your purchase. We have also updated our article to include this information.

      Best of luck with your purchase!

    • Lindsey Desmet says:
      First Quarter Finance logostaff

      Hello, Barry! Unfortunately, Lowe’s does not offer Progressive Leasing. We have updated our article to include this information. Lowe’s instead offers financing through the Lowe’s Advantage Card.

  • I live in Illinois, I was approved and was going to go shop. Your articles states that 90 day pay off is not option? In Illinois what are my options, I will not pay double or more!

    • Lindsey Desmet says:
      First Quarter Finance logostaff

      Hello, Tammie! If you choose to shop with Progressive Leasing, the details of all of your repayment options will appear in your contract. The 90-day payment option is now available in Illinois; we have updated our article to reflect this change.

  • Carmia Johnson says:

    Does Living Spaces or Mathis Brothers use Progressive Leasing? I recently paid off my dining room set and used Progressive Leasing at Jerome’s, I would like to use these two stores if they offer Progressive Leasing also.

    • Lindsey Desmet says:
      First Quarter Finance logostaff

      Hello, Carmia! Unfortunately, Living Spaces and Mathis Brothers Furniture do not use Progressive Leasing. Both offer financing through store credit cards backed by Synchrony Bank. We have updated our article to include this information.

    • Lindsey Desmet says:
      First Quarter Finance logostaff

      Hello, Eggie! Sears does not accept Progressive Leasing but does offer a leasing program through a similar company, WhyNotLeaseIt. We have more information about this program in our related article on buy now, pay later stores. We have updated our article to include Sears on the list of stores that do not accept Progressive Leasing.

  • Why is Best Buy listed in the stores that use Progressive Leasing and also in the list of stores that do not use it?

    • Lindsey Desmet says:
      First Quarter Finance logostaff

      Thank you for bringing this to our attention, David! Best Buy did not offer Progressive Leasing when the article was originally written; it was added to the list at a later date. We have confirmed that Best Buy does currently offer Progressive Leasing. We apologize for this error and have corrected our article.

  • mizzsamantha says:

    Purple mattresses can be purchased using progressive leasing they have a approve.me page to apply for it.

  • Darlene Adams says:

    Ashley Homestores, here in Jacksonville Florida also uses Progressive leasing as well. Thanks for all the information on Progressive Leasing , very helpful.

  • Jordan’s Furniture, Warwick RI offers Progressive Leasing. I’ve used it several times!

  • Do they have anything in Idaho? We went thru Progressive Leasing at American Auto & Tire in Nampa, Idaho and loved it. I need a pellet stove now real bad and was wondering if anybody knows where a store is that does the leasing. Thanks

    • Kathleen Wilson says:
      First Quarter Finance logostaff

      Hi CJ,
      Unfortunately, due to the volume of requests we receive, we are not able to provide information for specific location inquiries. Your best bet is to search for stores that sell pellet stoves and then inquire if they have Progressive Leasing or some other in-store financing program. For example, I did a quick search and found that Lowe’s sells pellet stoves and while it doesn’t offer Progressive Leasing, it does have its own in-store financing program with no interest if paid in full within six months. Searching this way instead of just searching for stores with Progressive Leasing may help you expand your search a bit. Best of luck!

  • 0creditscorekom says:

    I love progressive leasing, I took out a washer and dryer at best buy . No more laundromat . I did the 90 day option – will be going back thanksgiving day for my tv. Progressive leasing has really helped me furnish my first place, as i just start building credit so i was denied most cards as i have no credit history.

    • Laura Bachmann says:
      First Quarter Finance logostaff

      Hi,

      Glad to hear Progressive has been useful for you! I hope our list helps you find somewhere to get anything else you need to furnish your place 🙂

      • Kathleen Wilson says:
        First Quarter Finance logostaff

        Hi SMJ,
        Some people have reported individual Best Buy stores using Progressive Leasing, but this is not a store-wide policy for all locations. You’ll have to call your nearest Best Buy to see if they offer it.

    • Laura Bachmann says:
      First Quarter Finance logostaff

      Hi SMJ,

      I was able to find two — Idler’s Home and US Appliance. Idler’s Home is in southern California, and US Appliance is in Michigan and offers free shipping. If you just looking for smaller appliances, the one that’s on our list that might have what you need is Big Lots.

  • Michelle says:

    Ashley furnisher Store in Manchester Ct. and Icasa furnisher store in Hartford Ct. uses progressive leasing also Puritan furnisher store in West Hartford Ct. uses progressive leasing.

    • Laura Bachmann says:
      First Quarter Finance logostaff

      Hi Michelle,

      Thanks for the tip! Our future New England readers will definitely appreciate knowing about Puritan and Ikasa. We’ve reached out to Ashley’s to see if Progressive is something they offer at several locations or just their store in Manchester.

  • You all really need to get an electronic store on board with PL, that would be a great money making opportunity

  • Does Home Depot or Lowe’s accept Progressive Leasing or any other leasing company? I’m looking to purchase large appliances.

    • Kathleen Wilson says:
      First Quarter Finance logostaff

      Hi Big Red,
      After searching around for a bit, it doesn’t seem like an major flooring companies use Progressive Leasing. However, some smaller flooring companies may individually use PL — see Mitchells Furniture and Flooring as an example. If you’re looking for a flooring company that offers Progressive Leasing, your best bet is to directly contact local flooring companies and see if they offer it. If not, you’ll find that many stores have their own financing programs that can help you afford the work you need to get done. Hope this helps!

  • I just discovered a charge on my bank account from progressive leasing and I did not apply or use your service. In fact, I had never heard of you before this happened. I contacted my bank and was told my checking account information was used to apply (routing number, etc.). This was definitely fraud and I have closed that account. How does progressive leasing verify identity and form of payment when applying for your credit?

    • Laura Bachmann says:
      First Quarter Finance logostaff

      Hi Debra,

      Sorry to hear about this situation. Just to clarify, we’re not associated with Progressive Leasing and aren’t here to promote or demote them, we’ve just compiled a list of several stores that use them to help people who are looking for stores where they can use Progressive’s leasing program. You should contact Progressive directly to resolve this issue, here’s their contact info page.

  • 1stopbedroom uses Progressive Leasing. It’s easy and smooth to get it from them.

  • I was refused credit from conn’s home plus. I received a denial letter from Equifax

    • Rebecca Turley says:
      First Quarter Finance logostaff

      Hi Par,

      I spoke with customer service at Progressive Leasing and they said while they don’t perform a traditional credit check (you do not need good credit or any credit to qualify), they will check your employment history, income, and bank account history. Some of the reasons customers are denied include a bank account history with too many NSF or returned checks, a lack of employment history, or inadequate income. If you have further questions about why you were denied, you can contact them at 1-877-898-1970. We’ve also updated the article to reflect this information.

      • Do you need to have a certain amount of incom or your job for a certain amount of time, or so much in your bank account?

    • Kathleen Wilson says:
      First Quarter Finance logostaff

      Hi Jewel,
      Thanks for this valuable information! It’s always great when our readers can provide useful information to others.

    • Laura Bachmann says:
      First Quarter Finance logostaff

      Hi FB,

      I’ve looked into MetroPCS and it seems like probably used to use Progressive Leasing, but don’t anymore. There’s no information about Progressive or any other leasing or financing plans on their website. I also found some customers reporting in forums and reviews online (for example, here) that they had used Progressive Leasing programs at MetroPCS, but all of these were several years old.

        • Laura Bachmann says:
          First Quarter Finance logostaff

          Hi Richard,

          Thanks for sharing. Would you mind telling us which store you went to, or which state you’re in, so we can track down progressive leasing options at MetroPCS?

        • Laura Bachmann says:
          First Quarter Finance logostaff

          Hi FB and Richard,

          We looked into Metro PCS again, and were able to get in touch with them to confirm that they do not use Progressive Leasing. They do, however, use a similar financing program called SmartPay Everyday Leasing.

    • Rebecca Turley says:
      First Quarter Finance logostaff

      Hi Zehra,

      Thanks for this valuable information! It’s always great when our readers can provide useful information to others.

  • If I signed up and got approved from big lots do I have to choose big lots to make the purchase or can I go to any of the stores listed for PL?

    • Laura Bachmann says:
      First Quarter Finance logostaff

      Hi Jackiee,

      If you applied through Big Lots, you’ll have to purchase at Big Lots. To purchase at a different store, you’ll have to apply through that store. This is because the plans do differ slightly from store to store and state to state, so the applications also vary slightly.

  • I just used PL for the first time, and I was very happy. If I was to purchase something else do I apply for another credit line?

    • Rebecca Turley says:
      First Quarter Finance logostaff

      Hi Emma,

      Yes, you will need to apply for another line of credit if you want to purchase something else with Progressive Leasing. However, if you applied for a line of credit with a certain retailer and did not use the entire line of credit extended to you, you may be able to purchase something else without reapplying, provided it was recent (within a few days).

      • I just used Progressive Leasing for the first time few days ago. I like the convenience of the 90 day payoff option. Since my purchase is recent will I have to pay another processing fee if I want to use more of the available credit that I was approved for?

        • Laura Bachmann says:
          First Quarter Finance logostaff

          Hi Tracy,

          You will probably have to pay the fee again, but you could check with the store you bought your items at to be certain. You definitely won’t be able to use the rest of the credit at a different store that uses Progressive — different stores have their own applications that vary slightly.

          • Georgiiarae says:

            That is not entirely true. I spoke with a lady today at Progressive and I have $1,000 at Wayfair to spend. If I do not spend it all I can apply at Overstock or any of their other retailers and they usually approve for the remainder of your lease amount.

          • Lindsey Desmet says:
            First Quarter Finance logostaff

            Thanks for sharing your experience, Georgiiarae! You are correct — you are welcome to apply at another store if you’d like to use the remainder of your original approval amount. However, Progressive Leasing does not guarantee that the new application will be approved. We have updated our article to include this information.