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Lowe’s Lease-to-Own Program

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Learn more about how to pay with lease-to-own now.

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

Get it today with Lease-to-Own. No credit needed. $59 initial payment.

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

Lease-to-Own Made Simple

Spread out the cost of big purchases and own your items in 12 months or less.

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

Weekly, biweekly or monthly payment options make it easy 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.

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What Can You Lease-to-Own?

Enjoy a flexible path to ownership for thousands of eligible Lowe’s products.

Not all items can be leased. Click here to see the full list now.

How to Pay With Lease-to-Own

For shopping online, select Progressive Leasing as your payment option at checkout and sign lease.

For shopping in store, apply online or with your in-store associate. Find a store now.

Lease-to-Own Calculator. Determine payment amount & total cost of your lease. Estimate payment now.

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 California). 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 California) 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 California) 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 California). To purchase early or to cancel lease, you must call 1-877-898-1970. Retailer cannot activate early purchase options.

Terms & Conditions

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

^**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 California). To purchase early or to cancel lease, you must call 1-877-898-1970. Retailers cannot activate early purchase options.

Ownership by rental/lease agreement with Progressive Leasing costs more than the retailer’s cash price. Select items only. You may purchase early or return merchandise and cancel lease at any time. Not available in Minnesota, New Jersey or Wyoming.

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.