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Lease to Own / Financing

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No Credit Needed

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

90-Day Purchase Option

Save money when you pay off your leasing using our 90-day purchase option.

Flexible Payments

Simple weekly, bi-weekly or monthly payment options make it simple to ues.

Instant Decision

Apply now for an instant decision. Approvals up to $3,500. Apply online.

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 1-877-898-1970.

Easy Lease-to-Own Process

Add to cart
Check out with Progressive
Apply and get an
instant decision
Sign your lease &
make initial payment
Receive your
AudioCityUSA goods
+

What is Lease-to-Own?

  • Lease-to-Own is an alternative method of financing. Progressive Leasing buys the merchandise and leases it to you.
  • Once you’ve fulfilled the terms of your contract, the merchandise is yours.
  • Payments start after you receive your merchandise.

You have options

  • 90-day payment option with early ownership and no lease costs.
  • 12-month standard lease with added lease costs.
  • You may cancel your lease at any time by notifying and returning the merchandise to Progressive Leasing.

Lease Costs and Payments

  • 90-day payment option gives you the ability to gain ownership early and negate lease costs.
  • Standard lease is a maximum of 12 months.
  • The lease includes a cost added to the cash price of the merchandise being leased, and your total cost could be almost double the cash price of the merchandise
  • Your lease payments will be automatically deducted from the checking account provided in the lease application.
APPLY NOW

Questions?

Give Progressive Leasing a call at 1-877-748-5763.
Hours of Operation: 7am - 11pm MST

The Lease-to-Own Program from Progressive can be a great way to get what you want right now. Progressive offers a simple lease program where you pay over time, and if you complete all lease payments or exercise an early purchase option, you will own the product(s).

Leasing is a convenient way to get the items you want now – without a big upfront payment or a long-term commitment. Progressive Leasing offers a great selection of retailers, affordable payments and flexible choices on how to own your merchandise.

Progressive Leasing provides a rental- or lease-purchase agreement or in certain states, a rent-to-own agreement, a consumer rental-purchase agreement, or a lease agreement with an option to purchase. It is not a loan, credit or financing. While no credit history is required, Progressive obtains information from consumer reporting agencies in connection with your lease application.

An initial payment is required at lease signing. 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 all your payments or exercise an early purchase option. Progressive Leasing is not available in Minnesota, New Jersey, Vermont, Wisconsin, and Wyoming. Merchant participating locations only. Not all applicants are approved.
You must be 18 years or older, 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.
No, Progressive Leasing does not charge an application fee or processing fee. Your initial payment will be withdrawn from your credit or debit card immediately after the lease is executed, but it is the first of your lease payments and is part of the total cost of the lease. If you are not approved, you will not be charged anything.
Contact a Progressive Leasing customer service representative at 877-748-5763. Customer Service agents are available from 7 a.m. to 11 p.m. (MST), 7 days a week. You may also access your account online via the customer portal, 24 hours a day 7 days a week at: https://myaccount.progleasing.com/
Payments will be deducted automatically from your bank account or charged to your card. Charges will appear on your statement as Progressive Leasing or Prog Lease, not the store where you selected your merchandise.

Once paid in full, you own it. Progressive Leasing is the owner of the items until all scheduled payments are made or you exercise a buyout option. At that time ownership will transfer to you. 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 877-748-5763. Regularly scheduled payments are still due even if you intend to exercise an early purchase option.
Your approval is good for 90 days. If you have not signed a lease within 90 days, your approval expires, and you will have to reapply with Progressive.
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 877-748-5763.

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

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

Important Information

Your lease is with Progressive Leasing, not AudioCityUSA.com.

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. Not available in Minnesota, New Jersey, Vermont, Wisconsin, and Wyoming. 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.

Get it today, no credit needed!

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