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No Credit Needed | Mattress Firm

Furnish your space with an easy Lease-to-Own program.

Key Benefits:

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There's no credit needed* to apply for the lease-to-own purchase option.
Apply now for an instant decision. Approvals up to $3000.
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Simple weekly, biweekly or monthly payment options make it simple to use.
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Save money when you pay off your lease early using our 90-day and early purchase options.

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 877-898-1970

Apply & Purchase Today
Choose Lease-To-Own at Checkout.
I want to talk to an expert at 855-352-4438.
Connect me with an online sleep expert.
Visit your local Mattress Firm Showroom.

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Even if you have imperfect credit, there’s an affordable and simple way to get your perfect mattress with our partner, Progressive Leasing.
"I needed to get a new mattress after 15 years because my back couldn’t take it anymore. Progressive Leasing helped me pay for what my back needed, but my pockets couldn’t afford all at once. Thank you Progressive Leasing for being there in my time of need.”
-Betty C.
“This was such a timely option for me and my family. We needed to make a purchase at Mattress Firm but didn’t have all the cash up front nor was I approved for the financing, so without the option that Progressive Leasing offered I would not be able to obtain the items I needed!"
-Lynette H.
If you're in the market for a new mattress, look no further than the mattress store near you or online at! Whether you're in need of a comfortable queen size mattress, a spacious king size mattress, a compact twin size mattress, or a cozy full size mattress, we've got you covered. If you're looking for the convenience of having your mattress delivered straight to your door, we offer mattress in a box options. We carry top brands like Sealy, Purple, Sterns & Foster, Serta, Tempur-Pedic, Sleepy's, and Beautyrest. Choose from plush, medium, or firm comfort levels to ensure a good nights sleep. And, if you're concerned about budget, our lease to own options with affordable payments and instant decision approval make it easy to get the mattress of your dreams. Plus, with the 90 day payoff option, you have the flexibility to make the payments fit your budget.
No Credit Needed: Progressive Leasing obtains information from credit bureaus. Not all applicants are approved.

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. Leasing available on select items at participating locations only. Not available in MN, NJ, VT, WI, WY.

Frequently Asked Questions

Select a topic below for answers to most commonly asked questions.
Progressive Leasing can be reached at 877-898-1970
Hours of operation:
Monday-Friday: 8am-7pm EST
Saturday: 10am-6pm EST

What is lease-to-own purchase program?

Lease-to-own 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 purchase your items.

What do I need to apply and how long does my approval last?

You must be 18 years or older (19 in AL), 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.

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

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

Contact a Progressive Leasing customer service representative at (877) 898-1970. Customer Service agents are available Monday through Friday from 10 a.m. to 7 p.m. (EST), Saturdays from 10 a.m. to 6 p.m. (EST) and closed Sunday. You may also access your account online via the customer portal, 24 hours a day 7 days a week at:

What if I can no longer afford my payments and can I cancel my lease?

We understand that unexpected situations come up that may prevent you from continue to lease-to-own your merchandise. If you find yourself unable to continue with your lease-to-own agreement, please feel free to call Customer Service to discuss your options. You can cancel your lease at any time. You have the right to return the items to Progressive Leasing without additional charge or penalty, and you will owe nothing further except unpaid lease-to-own costs. To cancel your lease call us at (877) 898-1970.

Where can I access my lease agreement and how do I make payments?

Full terms are in your lease-to-own agreement, which will be mailed and emailed to you. Your lease-to-own agreement is also available at Copies sent are computer-generated and include a digital signature.

During you 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.

What is meant by “No Credit Needed”?

“No Credit Needed” means that you don’t necessarily need to have credit history or a strong credit score to be approved for lease-to-own. We do check credit bureau reports; however, we look at many other data points to make a final decision, and we regularly approve customers with less than perfect credit or very little credit history.

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

Does Progressive report to credit bureaus? Can I build up my credit by doing a successful lease?

No. We do not currently report to credit bureaus. Progressive Leasing provides a lease-to-own purchase program, not credit.

What if I need to change my payments or my payday changes?

We are happy to work with you to find a payment schedule that works. If you need to discuss potential changes to your payments, please call us at least three business days before your next scheduled payment.

Are returns allowed?

To return your item, contact Progressive Leasing customer service at (877) 898-1970. Progressive will evaluate the product to determine the proper course of action. The item could be returned through the retailer you select or sent directly to Progressive. You can cancel your lease at any time. You have the right to return the items to Progressive Leasing without additional charge or penalty, and you will owe nothing further except unpaid lease-to-own costs. To cancel your lease call us at (877) 898-1970.

Get it today, no credit needed!

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