• No Credit Needed

    There's no credit needed* to apply for the lease-to-own purchase option.

    Progressive Leasing obtains information from credit bureaus. Not all applicants are approved.
    APPLY NOW 
  • 90-Day Purchase Option

    Save money when you pay off you lease early using our 90-day and early purchase options.

    Standard agreement offers 12 months to ownership. Early purchase options cost more than the retailer's cash price (except 3-month option in CA). To purchase early, call 877-898-1970
  • Flexible Payments

    $79 initial payment, plus flexible weekly, bi-weekly, or monthly payment options make it simple to use.

    Estimate Payments 

Apply for an Instant Decision

Apply for an instant approval decision. No impact to your credit score.

Select Progressive at Checkout

Select Progressive Leasing as your payment method at checkout and enjoy savings on your lease-to-own option.

Sign Your Lease

Sign your lease-to-own agreement online and make your $79 initial payment to complete your order!

Receive Your Mattress

After signing your lease-to-own agreement, you'll receive your new mattress with 1-2 weeks, so you can start sleeping better right away!

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What do I need to apply?

  • A valid social security number or ITIN
  • An open and active checking account
  • A credit or debit for your initial payment

When do my payments begin?

Your recurring payment schedule will begin on your next scheduled payday after you receive your merchandise. If that first payday isn’t at least 10 days after delivery, we’ll wait until the next payday.

How's a lease different than a credit transaction, financing, or a loan?

A Progressive lease isn't credit. With a credit transaction, financing or a loan, you make a purchase with borrowed money that must be repaid, often with interest. With a Progressive lease, we purchase the merchandise you select from the retailer. Then, you sign an agreement to lease that merchandise from Progressive. Progressive owns the merchandise, but you can take ownership after making all required lease payments or through an early purchase option. While there's a cost associated with Progressive’s leasing services, we don’t charge interest.

Who do I contact if I have a questions about my lease?

Contact a Progressive Leasing customer service representative at 1-877-898-1970. Customer service agents are available Monday through Friday from 10 a.m. to 7 p.m. (EST), Saturday 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.

How long is a lease agreement?

Standard lease-to-own agreements are set up for 12 months to ownership.

Can I cancel my lease?

You can cancel your lease at any time. Our Customer Satisfaction Policy allows you to cancel your agreement within five calendar days of signature and receive a full refund by calling us at 1-877-898-1970. After that time, you have the right to return the items to Progressive Leasing without additional charge or penalty, and you'll owe nothing further except unpaid rent charges and fees. You can get returned items back. Your agreement includes reinstatement rights that may allow you to get returned items back.

How do I make payments?

Payments will be deducted automatically from your bank account or charged to your card. Charges will appear on your statement as Progressive Leasing or Prog Lease, not the store where you selected your merchandise. Once paid in full, you own it. Progressive Leasing is the owner of the items until all scheduled payments are made or you exercise a buyout option. At that time, ownership will transfer to you. The least expensive option to purchase expires 90 days after the delivery date. Regularly scheduled payments are still due even if you intend to exercise an early purchase option.

Prefer a Traditional Financing Option?

Checkout Affirm with 0% APR for up to 6 Months

*Ownership by rental/lease agreement with Progressive Leasing
costs more than the retailer’s cash price. Select items only.
Cancel or purchase early at any time. Not available in MN, NJ, VT,
WI, WY.