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No credit? Bad credit? It doesn’t matter when you apply with Progressive.
Our approval is based on income and employment, no need to worry about your credit.
All you need is a couple of minutes to fill out your online application, and you’ll know quickly whether you’re approved, denied, or if we need more information from you.
Applications can also be filled out in store.
We offer multiple buyout options to save you money.Easy payments are set up to come out automatically on your paydays:
See our Pre-Approval Matrix to get a free peek at your payment may look like.
Click below to view our frequently asked questions page.FAQ's
It's easy to find a participating store near you, just check out our store locator.Find A Store
By following the link to the Progressive website below, you will be leaving the Big Lots website. Big Lots is not responsible for any activity occurring, or information submitted, collected, used, or stored on Progressive’s website. See Big Lots User Agreement for more information regarding third party websites.
The Lease-to-Own Program from Progressive Leasing, LLC, can be a great way to get what you want right now. Progressive Leasing offers a simple program where you pay over the course of the agreed upon lease period. Once the item(s) has been paid in full, you own the product(s).
You must be 18 years old, have a checking account and provide personal information like: personal information (name, address, driver’s license, Social Security number, etc.); checking account information (account number, routing number, and when the account was opened); and employment information (employer name, address, hire date and monthly income).
There is no processing fee. Your initial payment will be withdrawn from your credit/debit card immediately after the lease is executed. Please see your Lease Agreement for further details.
Yes. You can purchase the product at any time. If you pay it off in the first 90 days, you can take advantage of the 90-day payment option (3-month payment option in CA) provided in your Lease Agreement. 90-day payment option includes the initial payment. Payoff after 90 days is determined by individual state law. Please see your Lease Agreement for further details.
Contact a Progressive Leasing customer service representative at 1-877-898-1970. Customer Service agents are available Monday through Friday from 8 a.m. to 5 p.m. (MST) and on Saturdays between 8 a.m. and 4 p.m. (MST) and closed Sunday. You may also access your account online 24 hours a day, 7 days a week at: https://www.progressivelp.com/rtocp/Login.aspx
Payments will be automatically deducted from your checking account. Your payment frequency will depend upon the payday frequency you provided on your application.
Most lease agreements are for a maximum of 12 months, but can be up to 15 months.
Qualifying items include sofas, loveseats, sectionals, dining sets, and mattresses, as well as seasonal items such as outdoor patio furniture, gazebos, umbrellas, grills, chairs and more. See a Big Lots associate for more information.
The Lease-to-Own Program through Progressive Leasing is available in most Big Lots stores that carry furniture. To find a store near you, click here to view our store locator and look for the "Furniture Leasing" link under Store Services.