How long does my approval last?

Your approval is valid for 90 days. If you haven’t signed a lease-to-own agreement within 90 days, your approval expires, and you can reapply with Progressive Leasing. At some retailers, if you don’t sign your lease-to-own agreement that day, the order is canceled. However, you can still create a new order if it’s within the 90 days of your original approval.

Do you charge an application fee or any other up-front fee?

No, we don’t charge an application fee or processing fee. Your initial payment will be made using the credit or debit card you consent to be charged in the lease-to-own agreement. This is the first payment for your lease and is part of the 12-month lease-to-own total. If you aren’t approved, you won’t be charged.

Who do I contact if I have a question about my lease?

Contact a Progressive Leasing customer service representative at 1-877-898-1970. Customer service agents are available Monday through Friday from 10 a.m. to 7 p.m. (ET), Saturdays from 10 a.m. to 6 p.m. (ET); they’re not available on Sundays. You may also access your account online via the customer portal 24 hours a day, 7 days a week at: https://myaccount.progleasing.com/.

How do I make payments?

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 the store where you selected your items.

How long is the lease agreement?

Standardlease-to-ownagreements are set up for12 monthsto ownership.

Is this a hard or soft inquiry (hit) on my credit?

Progressive Leasing will only make soft inquiries to the big three credit bureaus (Transunion, Experian and Equifax). Other secondary bureaus, however, don’t offer a soft-inquiry option.

Is there a minimum purchase requirement?

Yes. The minimum purchase is $150.

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Link to Lowe's Home Improvement Home Page

Find a Store Near Me

Prices, Promotions, styles, and availability may vary. Our local stores do not honor online pricing. Prices and availability of products and services are subject to change without notice. Errors will be corrected where discovered, and Lowe's reserves the right to revoke any stated offer and to correct any errors, inaccuracies or omissions including after an order has been submitted.

Lowe’s Lease to Own Program

Get it today with Lease to Own. $59 Initial Payment.

Shop & Get It Today

Spread out the cost of big purchases without needing the money up front. Own your item(s) in 12 months or less.

There's no credit needed to apply for the lease-to-own purchase option.

Simple weekly, biweekly or monthly payment options make it simple to use.

Apply now for an instant decision. Applying won't affect your credit

Save money when you pay off your lease early using your 90-day and early purchase options.

**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 1-877-898-1970. Retailers cannot active early purchase options.

*Progressive Leasing obtains information from credit bureaus. Not all applicants are approved.

Estimate Payments Apply Now

What Can You Lease-to-Own?

Nonleaseable Examples

Not all items are leasable. See full list here.

How to Purchase

Shopping Online? At checkout, select Progressive Leasing as your payment option.

Shopping in Store? Apply online or with your in-store associate.

Use this calculator to determine the payment amount and total cost of the lease you're considering

Frequently Asked Questions

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’ll 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 1-877-898-1970. Retailer can’t activate early purchase options.

Progressive Leasing offers a lease-to-own option for a variety of personal, family and household items, including appliances, furniture, tools, grills, vacuums, sheds, home décor and more. However, certain items are excluded from this agreement, including those prohibited by law (e.g., DOT trailers), items that are permanently attached to a home (e.g., flooring, lumber or HVAC systems) and consumables like food, fuel or fertilizer. See leasable items. https://www.lowes.com/pdf/Leasable_Items_List.pdf

Yes. You can purchase the product anytime. 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.

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 1-877-898-1970. Retailer cannot activate early purchase options.

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

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.

Make Your Projects Happen With Help From Lowe’s

With the Lowe’s Lease to Own with Progressive Leasing program — available at participating Lowe’s locations — get what you need the day you need it, no credit required. From refrigerators and other appliances to lawn mowers and grills, Lowe’s Home Improvement is here to help you get these products and more with ease. Want to outfit your outdoor space with new patio furniture? Add ceiling fans to areas of your home? Upgrade your bathroom? Whatever your project, head to a Lowe’s near you to find everything from hardware to lighting and take advantage of this lease-purchase option. With the simple application process, you’ll get on the way to tackling that to-do list in no time.