No Credit Needed Financing

progressive no credit needed


CLICK on the application link for your store!


north spokane application
spokane valley application
coeur d' alene application
boise application
missoula application

Apply for our No Credit option online and come into one of our stores with an instant approval up to $3,000! You have an entire year to pay, with no interest for the first 90 days. Pick out whatever you want in the store and it’s only $79 when you sign up! Low regular payments will be automatically debited from your checking account on the day you choose.

All you need to apply is your employment or income information, checking account & routing number, and a debit or credit card. Fill out the quick online application with no documents required. This will not affect your credit score, and there’s no fee to apply!

Frequently Asked Questions

Q: What is the interest for this program?

A: This program is different from typical interest or APR because it is a lease purchase. If you call to pay within 90 days, all you pay is the total of the merchandise. You can call a week later or at day 89, as long as it’s paid in full before Day 90 to avoid interest. Otherwise, payments will continue to be debited from your account until it’s paid in full. You do have a full year to pay off the lease, and after the 90 days window, you can call and request the Early Buyout Discount, which is 35% off your remaining balance.

Q: What is due when I sign?

A: A one-time $79 payment is due at the time of signing. This payment does not go towards your balance amount.

Q: Will I get approved without a social security number?

A: Progressive does ask for a social to verify identity, but also accepts an ITIN number.

Q: Will Progressive check my credit report and will I get approved with poor credit?

A: Progressive decides to loan based on a checking account for three months and a steady income, so yes even those with poor credit will get approved! This will not even show up as an inquiry on your report.

Q:Where do I mail my payment? Can I pay online or by phone? How much will my payment be?

A: Payments will be debited out of your checking account automatically on your due date. You can also call Progressive to process a telephone payment at 877-898-1970. Payments can be set up monthly, biweekly, or weekly. Regular payment amounts are based on the total purchase. For example, your payment on a $1000 total will be $83 (plus tax).