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Simple Application Process

All you need is a couple of minutes to fill out your online application and you'll know quickly whether you're approved. Please note that once approved, an initial payment of $49 will be due up front.

Fill out your online Application.
Contact your Leasing Agent to finalize order.
Pay the initial $49 payment.
Receive your home goods at your doorstep!
No Credit Needed

  • No credit? No problem. It doesn't matter when you apply for leasing.
  • Approval is based on income and employment, no need to worry about your credit.
Application Requirement

  • Must be 18 years or older
  • Valid Social Security Number or ITIN
  • Credit or debit card
  • Routing and account numbers for an open and active checking account
Simple Payment Plans
Flexible payments

We save you money with our 90 day payment option and other early buyout options.

Payments on your payday

Progressive Leasing makes it easy to pay off your lease by setting up payments that come out automatically on your paydays. Our flexible weekly, bi-weekly, or monthly payment options make it simple to use.

Ready to Get Started?

By following the link to the Progressive website, you will be leaving Overstock's website. Overstock is not responsible for any activity occurring, or information submitted, collected, used, or stored on Progressive's website. See Overstock User Agreement for more information regarding third party websites.

Important Info:

With instant decisions from Progressive Leasing, discover how much you are approved for and get the merchandise you need today. Once approved, all you need to do is make the initial payment of $49 and wait for delivery.

Service described is a rental - or lease purchase program provided by Progressive Leasing, LLC or its affiliates. The initial payment is $49. All remaining lease payments will be determined by the cash price of the leased item and the frequency of payments. You will not own the leased merchandise or acquire ownership rights unless you make 12 months of payments or exercise an early purchase option. Not all applicants are approved. See lease for details.

You do not own the leased homegood(s) until you make all your lease payments or use an early buyout option.

Homegood ownership is optional; you can cancel your lease anytime by returning the homegood to Overstock (within 30 days of purchase) or Progressive Leasing (after 30 days).

90 day payment option (3-month payment option in CA) and other early buyout options are available. 90 day payment option includes the initial payment. Payoff after 90 days is determined by individual state law.

Your lease is with Progressive Leasing, not Overstock.

Currently, we are unable to lease products to customers residing in following states: Pennsylvania, North Carolina, Washington, Connecticut, Alabama, Utah, Kentucky, Wisconsin, Vermont, New Jersey, Wyoming, Minnesota, Alaska and Hawaii.


Give Progressive Leasing a call at 1-877-748-5688.
Hours of Operation: 7am - 11pm MST

Frequently Asked Questions

The Lease-to-Own Program can be a great way to get what you want right now. The program offers a simple way to lease 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). Lease-to-own program is provided by Prog Leasing, LLC.

You must be 18 years old and provide the following information to apply: personal information (name, address, driver's license, Social Security number); checking account information (account number, routing number, and when the account was opened); and employment information (employer name, address, hire date and monthly income).

There is no processing fee. Your initial payment will be withdrawn from your credit/debit card immediately after the lease is executed. Please see your Lease Agreement for further details.

Yes. You can purchase the product at any time. If you pay it off in the first 90 days, you can take advantage of the 90-day payment option (3-month payment option in CA) provided in your Lease Agreement. 90-day payment option includes the initial payment. Payoff after 90 days is determined by individual state law. Please see your Lease Agreement for further details.

Contact a Progressive Leasing customer service representative at 1-877-748-5688. 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:

Payments will be automatically deducted from your checking account. Your payment frequency will depend upon the payday frequency you provided on your application.

Most lease agreements are for a maximum of 12 months.

Qualifying items include, furniture, electronics, jewelry, appliances, etc. Extended service contracts, subscriptions or memberships, labor or installation, insurance, assembly fees, service protection plans or other non-tangible items cannot be included in the lease.