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Progressive Leasing

Progressive Leasing

Get it today. No credit needed.*

Enjoy the tech you want today with a lease-to-own option from Progressive Leasing.

Ownership by rental/lease agreement with Progressive Leasing costs more than the retailer’s cash price. Select items only. Purchase early or return items and cancel lease at any time. Not available in MN, NJ, VT, WI, WY or Puerto Rico.

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Shop for everything you need with only a $59 initial payment* on purchases $225 and up.

How Progressive Leasing Works

No credit needed

You can apply even if you don't have credit. Approval is based on many factors and Progressive Leasing obtains information from credit bureaus, but a credit history is not required. Not all applicants are approved.

Quick and easy application

The application process takes just a few minutes and can be completed online or at a participating store. You will receive a quick decision upon completing the application.

You will need your routing number and account info for an active checking account. You must be 18 years or older with a valid social security number or ITIN and have a credit or debit card.

90-day purchase option

The 90-day purchase option is the lowest cost of ownership through Progressive Leasing and can help save you money.

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 return items and cancel lease you must call 877-898-1970. Best Buy cannot activate early purchase options.

Flexible payment options

Weekly, bi-weekly or monthly payment options are available to best fit your needs. Quickly estimate the cost of ownership with the lease estimator.

Learn more about Progressive Leasing
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      Payment Estimator

      Quickly estimate the cost of ownership.

      Shop with your lease in store or online

      Already approved for a lease and using it for the first time?

      1. To look up and connect your lease, log in or create a BestBuy.com account.
      2. Follow the prompts to look up your lease.
      3. Add your items to cart and apply your lease during checkout.

      Have remaining approval dollars?

      1. Complete your application. (Those with remaining approval dollars must reapply.)
      2. Once approved, log in or create a BestBuy.com account.
      3. Follow the prompts to look up and connect your lease.
      4. Add your items to cart and apply your lease during checkout.

      Want to use a lease at a participating store?

      1. Complete your application online or at a participating store.
      2. Select your item(s).
      3. Have a Blue Shirt look up your lease approval at checkout if you applied online.

      Progressive Leasing FAQs

      See Frequently Asked Questions regarding the lease-purchase option.

      Leasing FAQs
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      Looking for more ways to pay?

      Learn more about our financing and payment options.
      Learn more

      Disclosures

      Progressive Leasing:

      *Ownership by rental/lease agreement with Progressive Leasing costs more than the retailer's cash price. Select items only. Purchase early or return items and cancel lease at any time. Not available in MN, NJ, VT, WI, WY or Puerto Rico. 

      No credit needed:

      *Progressive Leasing obtains information from credit bureaus, but a credit history is not required. Not all applicants are approved.

      $59 initial payment:

      *The initial payment (plus tax) is charged at lease signing. Remaining lease payments will be determined upon item selection.

      Discover flexible lease to own options at Best Buy

      The basics of Progressive Leasing

      Progressive Leasing offers flexible lease to own purchase options designed to help you take home the tech and electronics you need today without paying the full price upfront. Whether you're interested in electronics like laptops, TVs or appliances, this lease to own program lets you spread out the cost of large purchases over time. It’s a convenient purchase option for customers who may have less-than-perfect credit or who simply prefer breaking up their purchase into more manageable payments.

      Getting started is quick and straightforward. Apply in store, online or while shopping in the Best Buy virtual store and receive a decision within minutes. If approved, you can select your items, sign your lease agreement, make an initial payment and take your items home the same day. Using your lease online is easy. Just log into your BestBuy.com account to access your lease approval and apply it at checkout. 

      The standard lease term is 12 months, but Progressive Leasing offers a 90-day purchase option that may help you save money. Once you’ve made all your payments, you’ll go from leasing to owning. Progressive Leasing is great for those looking for flexibility while still finding the best iPhone deals or upgrading their home with essential devices.

      Why choose Progressive Leasing?

      Progressive Leasing stands out for its flexibility and accessibility. Unlike traditional financing, lease to own doesn't require a high credit score to be approved. It's a convenient solution for a wide range of shoppers, including those with no credit or who are rebuilding their credit. 

      One of the main benefits of Progressive Leasing is convenience. Whether you’re shopping in store at Best Buy, online or using the Best Buy app, it’s easy to connect your lease, choose your products and complete your purchase. If you're already approved, just log in, find your lease and apply it during checkout. Choose the purchase option that works for your budget and set up automatic weekly, bi-weekly or monthly payments.

      If you're exploring options for lease to own electronics or seeking the best refrigerator, a new phone or fitness trackers, Progressive Leasing helps you get what you need. For large purchases like appliances, TVs, and desktop or laptop computers, this program helps you spread out costs over time without delaying your tech upgrades.

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