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Progressive Leasing

If you want to consider a No Credit Needed* option that provides you the possibility to take your jewelry home today, we offer a Lease Purchase Program through Progressive Leasing.

How Does It Work?

The advertisied 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 MN, NJ, VT, WI, WY.

†The initial payment (plus tax) is charged at lease signing. Remaining lease payments will be determined upon item selection.

*No Credit Needed: Progressive Leasing obtains information from credit bureaus. Not all applicants are approved.

**90-Day Purchase Option: 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.

Why a lease?

Things to consider when looking into a Lease.

  • No credit needed*
  • Alternative to using a credit card
  • Requires an initial payment of $79
  • Easy application process
  • Acquiring ownership by leasing costs more than the retailer’s cash price.
  • Affordable lease-to-own payments
  • 90-day purchase option** available
  • Take your item home the same day or schedule delivery
  • You do not own the merchandise until it is paid in full

Ready to apply?

You need:

  • To be 18 years or older
  • A Social Security Number or ITIN
  • A bank routing and account number for an open and active checking account
  • An active credit or debit card number


The lease purchase program from Progressive Leasing can be a great way to get what you want right now. Progressive offers a simple lease program where you pay gradually over 12 months. After Progressive receives your final payment, you own the product(s). Progressive Leasing is not available in MN, NJ, VT, WI or WY.

It depends. Applicants are evaluated on an individual basis and Progressive looks at many data points, including credit information, income, and banking history to determine approval amounts. These data points will indicate whether a Progressive Lease would be a good fit and, if so, the approval amount.

No. Progressive does not charge an application or processing fee. Progressive takes an initial payment when you sign the lease, but it is the first of your lease payments and part of the total cost of the lease. If you are not approved, you will not be charged anything.

Payments will be deducted automatically from your bank account or charged to your debit or credit card submitted on the application. Charges will appear on your statement as Progressive Leasing or Prog Lease, not the store where you selected your merchandise. Your payment frequency will depend upon the payday frequency you provided on your application.

Once paid in full, you own it. Progressive Leasing is the owner of the item(s) until all scheduled payments are made or you exercise an early purchase option by calling 1-877-898-1970. At that time ownership will transfer to you. Regularly scheduled payments are still due even if you intend to exercise an early purchase option.

Contact a Progressive Leasing customer service representative at 1-877-898-1970. Customer service representatives are available Monday through Friday from 8 a.m. to 5 p.m. (MST), on Saturdays between 8 a.m. and 4 p.m. (MST), and are not available on Sundays. You may also access your account online via the customer portal anytime at

No, but you will receive a letter welcoming you to Progressive with basic information about your lease, including information about your payments and early buyout options. Your account can also be accessed online 24 hours a day, 7 days a week at

Yes. You can purchase the product(s) at any time, though the lease is set up to be 12-months by default. If you pay it off in the first 90 days, you can take advantage of the 90-day purchase option (3-month purchase option in CA) provided in your Lease Agreement. After 90 days, early buyout options are available, but vary by state. Both early purchase options can be exercised by calling 1-877-898-1970.