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The Smart Way to Lease: 90-Day Purchase Option
Save money by paying off your lease early. With the 90-Day Purchase Option **, you can purchase your mattress within the first 3 months for the cash price plus a minimal leasing cost. It's the most affordable way to own your sleep.
**90 Day Purchase Option: *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.
Simple. Fast. Flexible.
What You Need
Flexible Payments
Simple. Fast. Flexible.
What You Need
Applying is easy. You just need to be 18+ years old, have a Social Security Number or ITIN, and have an active bank account with a debit card.
What You Need
Applying is easy. You just need to be 18+ years old, have a Social Security Number or ITIN, and have an active bank account with a debit card.
Simple. Fast. Flexible.
Instant Decision
Don't wait days for an answer. Our process is designed for all credit types. Apply in minutes and get an instant decision so you can shop immediately.
Instant Decision
Don't wait days for an answer. Our process is designed for all credit types. Apply in minutes and get an instant decision so you can shop immediately.
Simple. Fast. Flexible.
Flexible Payments
Start with just $59 today. Your lease payments are scheduled around your paydays. Pay over 12 months or use the 90-Day Purchase Option** to save big.
Flexible Payments
Start with just $59 today. Your lease payments are scheduled around your paydays. Pay over 12 months or use the 90-Day Purchase Option** to save big.
Why Progressive Leasing Works for Mattresses
This payment option makes it easier to upgrade your mattress without paying everything up front. It helps real sleepers get the comfort they need now while spreading out the cost over time.
Get the Mattress You Really Need
Many people choose a mattress that is “just okay” because of the price. Lease‑to‑own lets you pick the comfort, support, and cooling you actually need and spread the cost over time.
Build a Complete Sleep Setup
Use your approval amount to get a mattress, adjustable base, pillows, or a protector in one order. Building a full sleep system now is often cheaper and more comfortable than upgrading piece by piece.
Payments That Fit Your Budget
Lease payments are set around your pay schedule, so you can improve your sleep without blowing up your monthly budget. Automatic payments help you stay on track.
Low Upfront Cost
High Approval Rate
Early Purchase Savings
FAQ
Got Questions? We've Got Answers
APPROVALS & REQUIREMENTS
PAYMENTS & OWNERSHIP
EARLY PURCHASE & CHANGES
What do I need to apply for Progressive Leasing?
To apply, you need to be at least 18 years old, have a valid Social Security Number or ITIN, an active checking account, and a debit or credit card. This basic information is used to confirm your identity and set up automatic lease payments.
Do I need good credit to be considered?
No. Progressive Leasing considers more than just your credit score, so shoppers with fair, limited, or rebuilding credit may still be approved. Approval is never guaranteed, but it can be an option when traditional mattress financing does not work.
How fast will I know if I’m approved?
Most customers receive a decision in minutes after submitting the online application. Once approved, you can use your approval amount to lease a mattress right away or within the approval window.
How much can I get approved for on a mattress order?
Approval amounts vary by customer and can go up to several thousand dollars, depending on your application details. Your exact spending limit is clearly shown with your approval so you know how much mattress, base, and accessories you can include.
How much is the initial payment for my mattress lease?
Most mattress leases start with a low initial payment, often around $19 plus tax, which is due when you sign your lease. The exact amount and any applicable taxes or fees are shown before you agree.
How are my ongoing payments scheduled?
After the initial payment, your remaining lease payments are drafted automatically from your bank account on the schedule you select, usually weekly, bi‑weekly, or monthly. Many shoppers choose dates that line up with their paydays so the mattress fits smoothly into their budget.
What is the length of a standard lease‑to‑own agreement?
A standard Progressive Leasing agreement is often set up on a 12‑month term, though exact terms can vary by state and retailer. During that time you can keep making regular payments or use an early purchase option if you want to own the mattress sooner.
When do I actually own the mattress?
You own the mattress once you have met all the requirements of your lease—either by making all scheduled payments through the full term or by completing an approved early purchase option. Until then, it remains leased property even though it stays in your home.
How does the 90‑Day Purchase Option work for mattresses?
The 90‑Day Purchase Option (or a similar early purchase period where available) lets you buy your mattress for the cash price plus a small leasing cost if you pay off the lease within the first few months. This is usually the lowest‑cost way to own your mattress compared with paying over the full term.
Can I buy out my lease early after 90 days?
Yes. After the initial early purchase period ends, Progressive Leasing typically offers another early purchase option where you can buy the mattress for a discounted amount compared with the total remaining lease payments. The exact buyout price and dates are listed in your lease agreement.
Can I cancel my lease and return the mattress?
Progressive Leasing is a lease, so you can generally end it by following the return and cancellation terms in your agreement, which may include returning the mattress to the retailer. Any amounts already paid are not refunded, but you will not owe future payments after a properly processed return.
How do I change my payment date or method?
If you need to update your payment method or adjust your draft date, you can contact Progressive Leasing customer service directly through their website, app, or phone number listed in your lease paperwork. They can review your account and let you know what changes are available.
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Rated 4.7 / 5 in Reviews
Where Quality Sleep Meets Compassion.
“The best mattress I’ve ever owned. Firm yet soft, cool through the night, and my back pain is gone.”
“Delivery was quick, setup was easy, and the comfort is next-level. I fall asleep faster than ever.”
“I used to toss and turn all night. Now I wake up feeling rested and supported. Worth every penny.”
“The cooling layer really works. I no longer wake up hot or sweaty. Finally, a mattress that breathes.”
Add customer reviews and testimonials to highlight the positive experiences they’ve had with your store.
Add customer reviews and testimonials to highlight the positive experiences they’ve had with your store.
“The best mattress I’ve ever owned. Firm yet soft, cool through the night, and my back pain is gone.”
“Delivery was quick, setup was easy, and the comfort is next-level. I fall asleep faster than ever.”
“I used to toss and turn all night. Now I wake up feeling rested and supported. Worth every penny.”
“The cooling layer really works. I no longer wake up hot or sweaty. Finally, a mattress that breathes.”
Add customer reviews and testimonials to highlight the positive experiences they’ve had with your store.
Add customer reviews and testimonials to highlight the positive experiences they’ve had with your store.
“The best mattress I’ve ever owned. Firm yet soft, cool through the night, and my back pain is gone.”
“Delivery was quick, setup was easy, and the comfort is next-level. I fall asleep faster than ever.”
“I used to toss and turn all night. Now I wake up feeling rested and supported. Worth every penny.”
“The cooling layer really works. I no longer wake up hot or sweaty. Finally, a mattress that breathes.”
Add customer reviews and testimonials to highlight the positive experiences they’ve had with your store.
Add customer reviews and testimonials to highlight the positive experiences they’ve had with your store.
“The best mattress I’ve ever owned. Firm yet soft, cool through the night, and my back pain is gone.”
“Delivery was quick, setup was easy, and the comfort is next-level. I fall asleep faster than ever.”
“I used to toss and turn all night. Now I wake up feeling rested and supported. Worth every penny.”
“The cooling layer really works. I no longer wake up hot or sweaty. Finally, a mattress that breathes.”
Add customer reviews and testimonials to highlight the positive experiences they’ve had with your store.
Add customer reviews and testimonials to highlight the positive experiences they’ve had with your store.
“The best mattress I’ve ever owned. Firm yet soft, cool through the night, and my back pain is gone.”
“Delivery was quick, setup was easy, and the comfort is next-level. I fall asleep faster than ever.”
“I used to toss and turn all night. Now I wake up feeling rested and supported. Worth every penny.”
“The cooling layer really works. I no longer wake up hot or sweaty. Finally, a mattress that breathes.”
Add customer reviews and testimonials to highlight the positive experiences they’ve had with your store.
Add customer reviews and testimonials to highlight the positive experiences they’ve had with your store.
“The best mattress I’ve ever owned. Firm yet soft, cool through the night, and my back pain is gone.”
“Delivery was quick, setup was easy, and the comfort is next-level. I fall asleep faster than ever.”
“I used to toss and turn all night. Now I wake up feeling rested and supported. Worth every penny.”
“The cooling layer really works. I no longer wake up hot or sweaty. Finally, a mattress that breathes.”
Add customer reviews and testimonials to highlight the positive experiences they’ve had with your store.
Add customer reviews and testimonials to highlight the positive experiences they’ve had with your store.
“The best mattress I’ve ever owned. Firm yet soft, cool through the night, and my back pain is gone.”
“Delivery was quick, setup was easy, and the comfort is next-level. I fall asleep faster than ever.”
“I used to toss and turn all night. Now I wake up feeling rested and supported. Worth every penny.”
“The cooling layer really works. I no longer wake up hot or sweaty. Finally, a mattress that breathes.”
Add customer reviews and testimonials to highlight the positive experiences they’ve had with your store.
Add customer reviews and testimonials to highlight the positive experiences they’ve had with your store.
“The best mattress I’ve ever owned. Firm yet soft, cool through the night, and my back pain is gone.”
“Delivery was quick, setup was easy, and the comfort is next-level. I fall asleep faster than ever.”
“I used to toss and turn all night. Now I wake up feeling rested and supported. Worth every penny.”
“The cooling layer really works. I no longer wake up hot or sweaty. Finally, a mattress that breathes.”
Add customer reviews and testimonials to highlight the positive experiences they’ve had with your store.
Add customer reviews and testimonials to highlight the positive experiences they’ve had with your store.
“The best mattress I’ve ever owned. Firm yet soft, cool through the night, and my back pain is gone.”
“Delivery was quick, setup was easy, and the comfort is next-level. I fall asleep faster than ever.”
“I used to toss and turn all night. Now I wake up feeling rested and supported. Worth every penny.”
“The cooling layer really works. I no longer wake up hot or sweaty. Finally, a mattress that breathes.”
Add customer reviews and testimonials to highlight the positive experiences they’ve had with your store.
Add customer reviews and testimonials to highlight the positive experiences they’ve had with your store.
“The best mattress I’ve ever owned. Firm yet soft, cool through the night, and my back pain is gone.”
“Delivery was quick, setup was easy, and the comfort is next-level. I fall asleep faster than ever.”
“I used to toss and turn all night. Now I wake up feeling rested and supported. Worth every penny.”
“The cooling layer really works. I no longer wake up hot or sweaty. Finally, a mattress that breathes.”
Add customer reviews and testimonials to highlight the positive experiences they’ve had with your store.
Add customer reviews and testimonials to highlight the positive experiences they’ve had with your store.
BUY NOW, PAY LATER - 0% APR AVAILABLE OR NO CREDIT NEEDED - INSTANT DECISION
BUY NOW, PAY LATER - 0% APR AVAILABLE OR NO CREDIT NEEDED - INSTANT DECISION
BUY NOW, PAY LATER - 0% APR AVAILABLE OR NO CREDIT NEEDED - INSTANT DECISION
BUY NOW, PAY LATER - 0% APR AVAILABLE OR NO CREDIT NEEDED - INSTANT DECISION
BUY NOW, PAY LATER - 0% APR AVAILABLE OR NO CREDIT NEEDED - INSTANT DECISION
BUY NOW, PAY LATER - 0% APR AVAILABLE OR NO CREDIT NEEDED - INSTANT DECISION
BUY NOW, PAY LATER - 0% APR AVAILABLE OR NO CREDIT NEEDED - INSTANT DECISION
BUY NOW, PAY LATER - 0% APR AVAILABLE OR NO CREDIT NEEDED - INSTANT DECISION
BUY NOW, PAY LATER - 0% APR AVAILABLE OR NO CREDIT NEEDED - INSTANT DECISION
BUY NOW, PAY LATER - 0% APR AVAILABLE OR NO CREDIT NEEDED - INSTANT DECISION
