get it today,
no credit needed!

lease to own

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

No Credit Needed

There's NO CREDIT NEEDED to apply for the lease-to-own purchase option.

90-Day Purchase Option

You can save money when you pay off your lease using our 90-day purchase option.

Flexible Payments

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

Estimate Your Payment
Easy Application and Purchase Process

Fill out your online application and you'll quickly know if you are approved! Once you sign your lease, an initial payment of $49 will be due.

Apply and get an instant decision.
Check out with Progressive Leasing.
Sign your lease.
Receive your Overstock goods.

Already been approved?

Look up your qualified lease from Progressive Leasing.

Already been approved?

Look up your qualified lease
from Progressive Leasing.

Look up your leaseFind your qualified lease from Progressive Leasing.


"Fast, easy and affordable payments. Payoff in 3 months is the option I took. Love my purchase and very simple process."

- Stephanie


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

The Lease-to-Own Program can be a great way to get what you want right now. The program offers a simple way to lease 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). Lease-to-own program is provided by Prog Leasing, LLC.
You must be 18 years old and provide the following information to apply: personal information (name, address, driver's license, Social Security number); 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 Your initial payment will be withdrawn from your credit/debit card immediately after the lease is executed.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.
Contact a Progressive Leasing customer service representative at1-877-748-5688. 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:
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.
Qualifying items include, furniture, electronics, jewelry, appliances, etc. Extended service contracts, subscriptions or memberships, labor or installation, insurance, assembly fees, service protection plans or other non-tangible items cannot be included in the lease.
Your lease approval is good for 90 days. If you have not signed a lease within 90 days your approval expires and you will have to re-apply with Progressive. If you fail to sign your lease within 24 hours of your order, the order is cancelled. However, you can still create a new order as long as it is within the 90 days of your original approval.
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.

Important Information

With instant decisions from Progressive Leasing, you can discover how much you are approved for and order the merchandise you need today. Once approved, all you need to do is make the initial payment of $49 and wait for delivery.

The service described is a rental- or lease-purchase agreement (or in certain states, a rent-to-own agreement, a consumer rental-purchase agreement, a lease agreement with an option to purchase, or a consumer-lease agreement) provided by Prog Leasing, LLC, or its affiliates. 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.

You do not own the leased homegood(s) until you make all your lease payments or use an early buyout 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).

90-day purchase option (3-month purchase option in CA) and other early buyout options are available. 90-day purchase option may include a markup over invoice price. Early buyout options may vary by state. Not all applicants are approved. See lease for details.

Your lease is with Progressive Leasing, not

Currently, we are unable to lease products to customers using leased merchandise in the following states: Alaska, Hawaii, Minnesota, New Jersey, Vermont, Wisconsin, Wyoming.

Get it today, no credit needed!