Furnish your space with an easy Lease-to-Own program.
Make flexible payments your way!
Ownership by rental/lease agreement with Progressive Leasing costs more than the retailer’s cash price. Select items only. Cancel or purchase early at any time. Not available in MN, NJ, VT, WI, WY.
To Purchase Online
Once approved, shop for your items online and select Progressive Leasing as your payment method. Sign your lease online and arrange delivery of your merchandise.
Online Shopping Assistance
Call our world class customer service representatives at 888-729-6687 to sign your lease virtually and arrange delivery of your merchandise.
To Purchase In-Store
Visit your local Raymour & Flanigan showroom and let an associate know you have been approved with Progressive Leasing.
If you have additional questions, see Progressive Leasing FAQs.
*No Credit Needed: Progressive Leasing obtains information from credit bureaus. Not all applicants are approved.
§ The Initial Payment (plus tax) is charged at lease signing. Remaining lease payments will be determined upon item selection
**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 purchase early or to cancel lease you must call 877-898-1970. Retailer cannot activate early purchase options.
Frequently Asked Questions
Select a topic below for answers to most commonly asked questions.
Progressive Leasing customer service can be reached at 877-898-1970
Hours of operation:
Monday-Friday: 8am-7pm EST
Saturday: 10am-6pm EST
What is lease-to-own purchase program?
The Lease-to-Own Program from Progressive can be a great way to get what you want right now. Progressive offers a simple lease-to-own program. If you complete all standard recurring auto-lease payments or exercise an early purchase option, you will own the product(s).
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 purchase early or to cancel lease you must call 877-898-1970. Retailer cannot activate early purchase options.
What do I need to apply and how long does my approval last?
You must be 18 years or older (19 in AL), 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.
Your approval is valid for 90 days. If you have not signed a lease-to-own agreement within 90 days, your approval expires, and you can reapply with Progressive Leasing. At some retailers, if you do not sign your lease-to-own agreement that day, the order is cancelled. However, you can still create a new order if it is within the 90 days of your original approval
Who do I contact if I have a question about my lease?
Contact a Progressive Leasing customer service representative at 877-898-1970. Customer Service agents are available Monday through Friday from 8 a.m. to 7 p.m. (EST), Saturdays from 10 a.m. to 6 p.m. (EST) and closed Sunday. You may also access your account online via the customer portal, 24 hours a day 7 days a week at: https://myaccount.progleasing.com/.
What if I can no longer afford my payments and can I cancel my lease?
We understand that unexpected situations come up that may prevent you from continue to lease-to-own your merchandise. If you find yourself unable to continuing with your lease-to-own agreement, please feel free to call Customer Service to discuss your options at 877-898-1970. You can cancel your lease at any time. You have the right to return the items to Progressive Leasing without additional charge or penalty, and you will owe nothing further except unpaid lease-to-own costs. To cancel your lease call us at 877-898-1970
Where can I access my lease agreement and how do I make payments?
Full terms are in your lease-to-own agreement, which will be mailed and emailed to you. Your lease-to-own agreement is also available at https://myaccount.progleasing.com/. Copies sent are computer-generated and include a digital signature.
During your lease signing, you agree for payments to be deducted automatically from your bank account and/or charged to your card you provided during the application process. Charges will appear on your statement as Progressive Leasing or Prog Lease, not Raymour & Flanigan.
What is meant by “No Credit Needed”?
“No Credit Needed” means that you don’t necessarily need to have credit history or a strong credit score to be approved for lease-to-own. We do check credit bureau reports; however, we look at many other data points to make a final decision, and we regularly approve customers with less than perfect credit or very little credit history.
Progressive Leasing obtains information from credit bureaus. Not all applicants are approved.
Does Progressive report to credit bureaus? Can I build up my credit by doing a successful Lease?
No. We do not currently report to credit bureaus. Progressive Leasing provides a lease-to-own purchase program, not credit.
What if I need to change my payments or my payday changes?
We are happy to work with you to find a payment schedule that works. If you need to discuss potential changes to your payments, please call Customer Service at 877-898-1970 at least three business days before your next scheduled payment.
Are returns allowed?
To return your item, contact Progressive Leasing customer service at 877-898-1970. Progressive will evaluate the product to determine the proper course of action. The item could be returned through the retailer you select or sent directly to Progressive. You can cancel your lease at any time. You have the right to return the items to Progressive Leasing without additional charge or penalty, and you will owe nothing further except unpaid lease-to-own costs. To cancel your lease call us at 877-898-1970