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



Q: What is the Progressive lease-to-own purchase program?

A: The Lease-to-Own Program from Progressive can be a great way to get what you want right now – without a big upfront payment or a long-term commitment. 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. Early purchase options cost more than the retailer’s cash price (except 3-month option in CA). To purchase early call 877-898-1970..

Q: What is the process? How do I get started with a lease-to-own or lease-purchase option today?

A: The process is simple.
    1. Complete the application online by clicking the "Apply Now" button.
    2. Once approved, call 800-269-2216 to place your order over the phone.
    3. When you receive your lease-to-own agreement by email, review it, digitally sign, and make the initial payment.
    4. ShopFactoryDirect will notify you once your order has shipped. For larger orders, the shipping company will call you to schedule an appointment for delivery.


Q: What do I need to apply?

A: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.

Q: How long is the lease agreement?

A: Standard Lease-to-own agreements are set up for 12-month to ownership.

Q: Do I have the option of paying off my lease and owning the product(s) before the standard 12 months?

A: Yes. You can purchase the product at any time. You can take advantage of a 90-day purchase option (3-month purchase option in CA) as provided in your lease-to-own agreement. This is the least expensive lease-to-own purchase option and expires 90 days (3 months in CA) after your item(s) are delivered. After this option expires, you can exercise an early purchase option for less than the total of remaining 12-month lease-to-own total, as described in your lease agreement.

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. Early Purchase Options: Standard agreement offers 12 months to ownership. Early purchase options cost more than the retailer’s cash price (except 3-month option in CA). To purchase early call 877-898-1970.

Q: How much will it cost me?

A: Click on the "Apply Now" button to see initial and Payment Estimator.

Q: What if I am not approved for the full amount of the purchase price?

A: items that exceed the approval amount must be purchased in a separate order. You may use a credit card or debit card as payment for any additional order(s) or transactions not covered by the lease-to-own agreement. Any additional orders may be shipped together with the items purchased by the lease-to-own agreement.

Q: How do I place my order once I have been approved?

A: Once you have received an email notification of approval, please call us toll free 1-800-269-2216 (option 2) and one of our friendly professionals will assist you with placing your order.

Q: Is Progressive available in all 50 States?

A: Unfortunately Progressive Leasing is NOT available in the following States: New Jersey, Wisconsin, Vermont, Wyoming, and Minnesota.


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