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no credit needed!

Lease-to-Own
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Get the lease-to-own program that helps you purchase what you want today!

No Credit Needed

Progressive Leasing obtains information from credit bureaus with no credit needed (Not all applicants are approved.)

Flexible Payments

Flexible weekly, bi-weekly, or monthly payment options make it simple to use

Payment Estimate
90-Day Purchase Option
(3 Mos. in CA)

You can save money when you pay off your lease using our 90-day purchase option(3 months in CA). 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

Easy Lease-to-Own Process

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Sign your lease & make initial payment
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PackageReceive your Overstock goods

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Find your qualified lease from Progressive Leasing

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“Fast, easy and affordable payments. Pay off in 3 months is the option I took. Love my purchase and very simple process.”

- Stephanie


Questions?

Give Progressive Leasing a call at 1-877-748-5688.
Hours of Operation: 7am - 11pm MST

The Lease-to-Own Program from Progressive can be a great way to get what you want right now. Progressive offers a simple lease program where you pay over time, and if you complete all lease payments or exercise an early purchase option, you will own the product(s).

Leasing 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 own your merchandise.

Progressive Leasing provides a rental- or lease-purchase agreement or in certain states, a rent-to-own agreement, a consumer rental-purchase agreement, or a lease agreement with an option to purchase. It is not a loan, credit or financing. While no credit history is required, Progressive obtains information from consumer reporting agencies in connection with your lease application.

An initial payment is required at lease signing. All remaining lease payments will be determined by the cash price of the leased item and the frequency of payments. You will not own the leased merchandise or acquire ownership rights unless you make all your payments or exercise an early purchase option. Progressive Leasing is not available in Alaska, Hawaii, Minnesota, New Jersey, Vermont, Wisconsin, Wyoming. Merchant participating locations only. Not all applicants are approved.

You must be 18 years or older, 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.

No, Progressive Leasing does not charge an application fee or processing fee. Your initial payment will be withdrawn from your credit or debit card immediately after the lease is executed, but it is the first of your lease payments and is part of the total cost of the lease. If you are not approved, you will not be charged anything.

Contact a Progressive Leasing customer service representative at (877)-898-1970. Customer Service agents are available from 7 a.m. to 11 p.m. (MST), 7 days a week. You may also access your account online via the customer portal, 24 hours a day 7 days a week at: https://myaccount.progleasing.com/

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. 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. Regularly scheduled payments are still due even if you intend to exercise an early purchase option.

The standard lease agreement is for 12 months.

Progressive Leasing leases merchandise for personal, family or household use. Progressive Leasing will not lease certain kinds of merchandise, including, but not limited to, merchandise that is prohibited from lease transactions by law, consumable items, and merchandise that creates an unmanageable risk for Progressive Leasing. Eligible items include appliances, furniture, jewelry, electronics, mattresses, mobile devices and accessories, musical instruments, and more.

Your approval is good for 90 days. If you have not signed a lease within 90 days, your approval expires, and you will have to reapply with Progressive. At some retailers, if you do not sign your lease 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.

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.

Important Information

Your lease is with Progressive Leasing, not Overstock.com.

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 Alaska, Hawaii, Minnesota, New Jersey, Vermont, Wisconsin, Wyoming. The initial payment is $49. All remaining lease payments will be determined by the cash price of the leased item and the frequency of payments. You will not own the leased merchandise or acquire ownership rights unless you make 12 months of payments or exercise an early purchase option.

Homegood ownership is optional; you can cancel your lease anytime by returning the homegood to Overstock (within 30 days of purchase) or Progressive Leasing (after 30 days).

Get it today, no credit needed!