Pay only the cash price within 90 days and own your item outright — the same as buying with cash. This single feature can save you hundreds compared to completing a standard lease.
Sign your Progressive Leasing agreement at any partner store. Your 90-day countdown starts on the signing date.
Log into your Progressive Leasing account or call customer service. Pay the remaining cash price plus your initial payment.
The item is yours outright. Progressive Leasing sends confirmation, and no additional charges apply.
Before you lease, calculate how much you'll need to pay off within 90 days and start setting aside that amount from each paycheck.
Give yourself a 5-day buffer before the deadline in case there's a hiccup with the payment. Missing day 90 means paying the full lease amount.
If you're timing a big purchase near tax season or an expected bonus, the 90-day window is a perfect fit.
The 90-day option only saves you money if you can actually pay it off. If unsure, choose an item where a 90-day payoff fits your budget comfortably.
The cash price is the retail price of the item — the amount you'd pay if you walked in with cash. For a $1,000 sofa, the cash price is $1,000. The 90-day payoff means you pay only this amount, with no additional lease cost.
The 90-day countdown starts on the date you sign your lease agreement — which is typically the same day you make your purchase.
Yes. Any scheduled or extra payments you make during the 90-day window count toward the total. On day 90 (or before), pay the remaining balance to complete the early purchase.
You'll simply continue with your regular payment schedule under the standard lease terms. You can still exercise an early buyout after day 90 at a discounted amount that decreases each month.
Log into your Progressive Leasing account online or through the app, or call customer service. You can typically pay by ACH from your linked checking account or by debit card.
Prequalify with Progressive Leasing. No credit check. No obligation.