Key Benefits:
No Credit Needed
There's no credit needed* to apply for the lease-to-own purchase option.
Instant Decision
Apply now for an instant decision. Approvals up to $3000.
Flexible Payments
Simple weekly, biweekly or monthly payment options make it simple to use.
90-Day Purchase Option†
Save money when you pay off your lease early using our 90-day and early purchase options.
†Standard agreement offers 12 months to ownership. 90-day and other early purchase options cost more than the retailer's cash price (except 3-month option in CA). To cancel lease or purchase early call 877-898-1920.
*Progressive Leasing obtains information from credit bureaus. Not all applicants are approved.
Apply & Purchase Today
Make your in-store purchase once approved!
Visit your local Big Lots location and let an associate know you have been approved with Progressive Leasing.
Elevate your home with premium furniture from Big Lots using our hassle-free lease-to-own program. Discover a wide range of sofas, recliners, dining tables & bedroom sets designed to match your style. No credit? No problem. Enjoy top-notch furniture without compromise, regardless of your credit history. Transfrom your space today and experience the joy of furnishing your home on your terms.
Explore our wide range of furniture and more! Each piece is designed to resonate with your unique taste while maintaining an unwavering focus on quality and comfort. Whether you're a fan of contemporary, modern, rustic or classic designs, we have the perfect furniture to complement your vison.
Frequently Asked Questions
Select a topic below for answers to most commonly asked questions.Progressive Leasing can be reached at 877-898-1970
- Hours of operation:
- Monday-Friday: 8am-7pm EST
- Saturday: 10am-6pm EST
What is the Progressive Easy Leasing program?
The Easy Leasing 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).
How do I make payments?
Payments will be automatically deducted from your checking account. Your payment frequency will depend upon the payday frequency you provided on your application. Login or sign up here.
What do I need to apply?
You must be 18 years old, 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.
Is there a processing fee for a Progressive lease?
No, we do 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.
Do I have the option of buying the products before my 12 month lease ends?
Yes, you can buy the leased merchandise at any time. The standard lease agreement is 12-months to ownership. There are two options for early payoff. The option with the lowest cost of leasing is the 90-Day payoff Option: -day payoff options cost more than the retailer's cash price (except 3-month option in CA). You can still save money with the early payoff option: Pay off the remaining lease total after 90 days and you will only pay 53-65%* of the remaining lease total. To purchase early call Progressive at 877-898-1970. *Payoff percentage varies from 53%-65% dependent on the state.
Who do I contact if I have a question about my lease?
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
How long is the lease agreement?
Lease agreements are for a maximum of 12 months.
What types of products can I lease?
Qualifying items include sofas, loveseats, sectionals, dining sets, and mattresses, as well as seasonal items such as outdoor patio furniture, gazebos, umbrellas, chairs and more. See a Big Lots associate for more information.
How can I find a participating Big Lots store?
Leasing is available at select Big Lots locations only. Not valid in Minnesota, New Jersey, Vermont, Wisconsin or Wyoming. Approval is not guaranteed. Additional terms and conditions apply. Click here to review the Progressive Privacy Policy.