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Leasing Options

Get the furniture you love. No credit needed.*

Apply for a lease-to-own purchase option, receive an instant decision, and shop eligible furniture and mattresses at BEL Furniture.

*Progressive Leasing obtains information from credit bureaus. Not all applicants are approved. Not available in MN, NJ, VT, WI, or WY.

Coordinated living room furniture available at BEL Furniture
No credit needed* More than a credit score may be considered.
Instant decision Complete a quick online application.
Flexible payments Weekly, biweekly, or monthly options.

Three simple steps

How Progressive Leasing works at BEL Furniture

Bring home eligible items now and work toward ownership through a lease-to-own agreement. A standard agreement offers 12 months to ownership, with early purchase options available.**

1

Apply for an instant decision

Complete the application to find out whether you are approved to lease.

2

Shop eligible furniture

Choose your favorite eligible pieces and use Progressive Leasing as your purchase option.

3

Work toward ownership

Make scheduled payments or use an early purchase option if you want to own your items sooner.**

Before you apply

What you need

Applicants generally need the following information and payment methods:

  • Be at least 18 years old
  • Have a valid Social Security Number or ITIN
  • Provide routing and account numbers for an open, active checking account
  • Have a credit or debit card

Approval is not guaranteed for all applicants.

Your agreement

Payments and ownership

Review the agreement carefully so you understand the payment schedule and total cost.

  • Choose weekly, biweekly, or monthly payment options
  • The initial payment plus tax is charged at lease signing
  • Standard agreements offer 12 months to ownership
  • A 90-day purchase option and other early purchase options may be available**

Find your favorites

Shop popular furniture categories

Shop all furniture →
Reclining sectional in a coordinated living room Reclining Sectionals Shop now Coordinated reclining living room set Reclining Living Room Sets Shop now Modern stationary sectional sofa Stationary Sectionals Shop now Extendable dining room table and chair set Dining Room Sets Shop now Rustic oak queen bedroom set Queen Bedroom Sets Shop now

Helpful answers

Frequently asked questions

What is Progressive Leasing?
Progressive Leasing is a lease-to-own purchase option that lets you get eligible items now and make scheduled payments over time. Ownership transfers after you complete all required lease payments or exercise an early purchase option.
Do you charge an application fee?
No. There are no application or processing fees. Your initial payment is taken when the lease is executed; if you are not approved, you will not be charged.
How do I make payments?
Payments are automatically deducted from your bank account or charged to your card, depending on your preference. Charges may appear as Progressive Leasing or Prog Lease.
How long is the lease agreement?
The standard lease term is 12 months. Ownership transfers after you complete the scheduled payments or exercise an early purchase option.
Can I purchase my items before 12 months?
Yes. A 90-day purchase option is available (3-month option in CA), along with other early purchase options. Early purchase options cost more than the retailer's cash price, except for the 3-month option in CA. Call 877-898-1970 to purchase early.
How long does my approval last?
Approvals are valid for 90 days from the approval date. If you do not sign a lease within that period, you may need to reapply.
What does “No Credit Needed” mean?
Progressive considers more than your credit score when making a decision, although it may obtain information from credit bureaus. Not all applicants are approved.
What merchandise can I lease?
Progressive Leasing covers many personal, family, and household items, including eligible furniture and mattresses. Some merchandise may be excluded by law or policy.
Who do I contact about an existing lease?
Call Progressive Leasing at 877-898-1970. Agents are available seven days a week from 7 a.m. to 11 p.m. MST. You can also manage your account at myaccount.progleasing.com.

Universal Disclosure: 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 is available on select items at participating locations only. Not available in MN, NJ, VT, WI, or WY.

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

90-Day Disclosure: Standard agreement offers 12 months to ownership. Early purchase options cost more than the retailer's cash price, except for the 3-month option in CA. To purchase early, call 877-898-1970.

Initial Payment: The initial payment plus tax is charged at lease signing. Remaining lease payments will be determined upon item selection.

Want the furniture you love today—without traditional credit hurdles? Bel Furniture partners with Progressive Leasing to offer a simple lease-to-own option (often called rent-to-own) that can help when you have low credit, bad credit, or other credit issues. If you’ve been searching for a credit alternative, alternative financing, or an alternative payment plan, this lease program may be a fit.

With Progressive Leasing, you can shop popular categories like living room sets, bedroom furniture, dining sets, and mattresses—then choose leasing at checkout (where available). It’s designed to be flexible, fast, and easier than many traditional lease financing or lease purchase options.

What is lease-to-own (and how is it different from financing)?

Lease-to-own means you’re leasing the product first, with the option to own it later. Instead of a traditional loan, you’re using a lease program that can serve as an alternative financing solution—especially if you don’t want a standard credit card or bank loan.

Progressive Leasing at Bel Furniture: Why customers choose it

When you need no credit or a credit alternative, Progressive Leasing can help you move forward with a plan that fits your budget. Customers often choose this option because it’s:

  • Simple: A straightforward application flow during checkout (where available).
  • Flexible: Payment schedules designed as an alternative payment option.
  • Helpful for credit challenges: Many shoppers look for no credit needed or no credit required options when they have low credit, bad credit, or past credit issues.
  • Fast: You can complete the process quickly so you can focus on choosing the right furniture.

Who lease-to-own is best for

Leasing-to-own option may be a good fit if you:

  • Are rebuilding credit or have credit issues
  • Prefer an alternative financing option over traditional loans
  • Need a no credit financing pathway (or no credit needed* approach)
  • Want an alternative payment method that can work with your monthly budget
  • Are shopping for essential home upgrades now—sofas, beds, dining sets, or mattresses

How to use ease-to-own option at Bel Furniture

  • Shop Bel Furniture online and add your items to cart.
  • At checkout, choose Progressive Leasing (if it’s available for your order).
  • Complete the lease application and review your lease terms.
  • Select your payment schedule and confirm.
  • Enjoy your new furniture, and follow your lease program payments to work toward ownership.

What you can shop with lease-to-own at Bel Furniture

Lease-to-own is popular for:

  • Living room furniture: sectionals, sofas, loveseats, recliners
  • Bedroom furniture: bed sets, dressers, nightstands
  • Dining sets: table sets, counter-height collections
  • Mattresses: memory foam, hybrid, innerspring options
  • Home accents: TV stands, coffee tables, rugs (where eligible)

If you’re deciding where to start, focus on the pieces you use every day—your sofa and mattress are often the biggest comfort upgrades.

Ready to start? Choose your lease-to-own option today

If you’re looking for Progressive Leasing, lease-to-own, rent-to-own, or a credit alternative that helps you get the furniture you need now, Bel Furniture makes it easy to shop and apply. Explore your favorites, head to checkout, and select Progressive Leasing (where available) to see your options.

Shop Bel Furniture today and get the furniture you love—your way.

Frequently Asked Questions

Is Progressive Leasing “no credit needed”?

Many shoppers search “no credit needed” or “no credit required” when looking for a credit alternative. Approval and eligibility are determined by Progressive Leasing’s application process and criteria shown during checkout.

Is lease-to-own the same as rent-to-own?

These terms are often used interchangeably. In general, both describe leasing a product first with an option to own it later by making scheduled payments, based on the lease agreement terms.

Can I use Progressive Leasing if I have low credit, bad credit, or credit issues?

Many customers explore lease-to-own as an alternative financing option when they have low credit, bad credit, or past credit issues. Eligibility is determined by Progressive Leasing during the checkout application.

What is a lease-to-own program?

A lease-to-own program lets you lease the items you want today and make scheduled payments. Depending on the agreement, you may have options to purchase and own the merchandise by completing payments or using an early purchase option.

How do I apply for Progressive Leasing at Bel Furniture?

Add eligible items to your cart on Bel Furniture’s website, then choose Progressive Leasing at checkout (where available). Complete the application, review your lease terms, select your payment schedule, and confirm.

Where do I see the exact lease terms and payment amounts?

Your exact lease terms, payment schedule, and total cost are shown in the Progressive Leasing checkout flow before you finalize the agreement. Review all details carefully prior to confirming.

Can I pay off early or buy out the lease sooner?

Many lease programs offer early purchase options, but availability and pricing depend on your specific lease agreement. Any early purchase details are provided in the Progressive Leasing flow and your lease documents.

Does Bel Furniture make the approval decision?

No. Bel Furniture offers Progressive Leasing as a checkout option (where available), but Progressive Leasing determines eligibility and approval based on its application process.

What does “alternative financing” mean for lease-to-own?

Alternative financing refers to payment options outside traditional bank loans or credit cards. Lease-to-own can be a credit alternative for shoppers who want a different approval process or flexible payment approach.

What items can I lease-to-own with Progressive Leasing at Bel Furniture?

Lease-to-own is commonly used for living room furniture, bedroom sets, dining sets, and mattresses. Eligibility can vary by product, cart total, and other factors shown during checkout.

Is Progressive Leasing available online and in-store?

Availability can vary by location and by order. Check your cart and checkout options online (where available) or ask a Bel Furniture team member in-store to confirm current leasing options.

Are there any restrictions or requirements to use Progressive Leasing?

Requirements and restrictions are set by Progressive Leasing and may vary by applicant and order details. You’ll see any requirements, approval results, and full terms during the application process at checkout.

Will my lease-to-own purchase include delivery and setup?

Delivery and setup policies are based on Bel Furniture’s current delivery terms and your order details. Your checkout and order confirmation will reflect the delivery options available for your purchase.

What should I do if I have questions after I’m approved?

For questions about payments, account status, or lease documents, refer to your Progressive Leasing agreement and customer support resources. For questions about your furniture order, delivery, or product availability, contact Bel Furniture customer service.