Progressive Leasing Customer Care: A Complete, Practical Guide

What Progressive Leasing Customer Care Does (and When to Use It)

Progressive Leasing provides lease-to-own purchase options through thousands of retail partner locations across the U.S., typically on 12-month terms with an early purchase option (commonly a 90-Day option, or a 3‑month purchase option in California). Customer Care is the frontline for payment adjustments, payoff quotes, returns, disputes, and profile changes. If your lease was approved at a retailer and you now need to change a payment date, update your card, or schedule a return, Customer Care is the correct point of contact—not the retailer’s financing desk.

Progressive Leasing operates under PROG Holdings, Inc. (NYSE: PRG), formed in 2020 after the separation from Aaron’s Holdings. Knowing this matters when you escalate a complaint or look up corporate information. For consumer-facing support and account management, your primary destination is the Progressive Leasing Customer Portal and mobile app, which are faster for routine changes than phone queues. Use the phone channel for time-sensitive issues (e.g., a payment due today, a pending return, or a dispute).

How to Reach Customer Care (and What to Have Ready)

Start at the official website progressiveleasing.com for sign-in, payment scheduling, and support prompts. The consumer portal and mobile app (search “Progressive Leasing” in the Apple App Store or Google Play) let you view your lease agreement, see your payment calendar, make one-time payments, update your bank card, and request payoff quotes. The corporate site for background and investor information is progleasing.com. For phone support, use the number shown on your lease agreement, monthly statement, or within the app; Progressive Leasing may publish multiple numbers, and the one tied to your lease is the fastest route through authentication.

Expect routine identity checks (name, phone, DOB, and the last four of your SSN or your lease ID). Calls typically proceed faster if you can verify your most recent payment method and the retail partner where you opened the lease. If you’re calling about a payment due the same day, have your preferred card or bank info ready to avoid another call or a second verification step.

• Your lease ID (from your portal/app, texts, or emails)
• The retailer name and the original cash price(s) of the item(s)
• Your next scheduled payment date and amount
• The payment method you’ll use (card or bank) and a backup method
• Your full contact info and any change of address details

Payment Management and Due Date Changes

Setting, Moving, or Splitting Payments

Most leases sync payment schedules to your paydays (weekly, biweekly, semimonthly, or monthly). You can request a new due date to align with a changed paycheck; Customer Care will confirm eligibility based on your state, payment history, and how close you are to the next due date. If you’re within 24–48 hours of a scheduled debit, some changes may not process in time; in that case, agents often suggest a one-time payment to bridge to the new schedule.

You can also split a payment across two methods if you call before the debit window. For example, if a $120 payment is due Friday, you might pay $70 by card today and the remaining $50 from your bank on Friday. Always ask the agent to read back the new schedule and amounts and to send a confirmation by text or email. Keep those confirmations; they’re useful if a dispute arises later.

Autopay, One-Time Payments, and Failed Debits

The app and portal support autopay from a card or bank account as well as one-time payments. If a debit fails, Customer Care can reattempt it or change the payment method on file. Policies around retry windows and any applicable fees vary by state and retailer program, so ask the agent to detail any costs before confirming a reattempt. If your bank flags the debit, call your bank first to approve the merchant and then call Customer Care back to reattempt.

If you anticipate a short-term hardship, contact Customer Care before the due date. In many cases, they can move a payment or set up a short deferral if your account is otherwise in good standing. Document the arrangement: ask for a written confirmation with the agreed dates and amounts.

Early Purchase Options and Total Cost: How to Compare

Progressive Leasing leases are not loans; there’s no interest rate. Instead, you pay lease-to-own costs over time, which can exceed the cash price if you go full term. The most cost-effective path is usually the early purchase option. Many customers see a 90-Day option (3 months in CA), which lets you buy the item earlier at a lower overall cost. If you miss the 90-Day window, there is typically another early buyout option after that window—still cheaper than going to full term.

Example for illustration only: Suppose the retail cash price is $1,000, the initial payment at signing is $79 (varies by state and retailer), and the standard lease runs 12 months at $45/week. Over 52 weeks, you’d pay $2,340 total if you go full term. If you exercise a 90-Day purchase option, your total might be closer to the cash price plus a reduced lease fee—e.g., $1,180–$1,350. Ask Customer Care for a current payoff quote; they can give you a real number to the cent, valid through a stated date. Then compare that quote to your remaining scheduled payments to quantify savings.

Always request the quote in writing (email or text). If you pay it the same day, confirm the final receipt shows “paid in full” with a $0 balance and keep that document permanently.

Returns, Exchanges, and Warranty Claims

You can end your lease by returning the merchandise to the retailer at any time, subject to the retailer’s acceptance policies. Customer Care will walk you through the process and note your account. Generally, payments made are not refunded, and you’re responsible for any amounts due through the return date. Once the retailer confirms receipt in good condition, Progressive Leasing stops billing and closes the lease.

For exchanges (defective item within the retailer’s window), you typically work with the retailer first; Customer Care then updates the lease to the replacement item and price. For manufacturer warranty claims months later, you’ll usually go through the manufacturer. Tell Customer Care if a warranty claim requires repair time; they can annotate your account so any unusual gaps are documented.

If you shipped an item back, keep the carrier tracking number, photos of the item’s condition before packing, and the retailer’s written confirmation of receipt. If a final payment drafts after a confirmed return, call Customer Care with your proof; they can adjust and refund where applicable.

Disputes, Errors, and Escalation

If you spot an error (wrong amount, duplicate debit, or a schedule you didn’t authorize), contact Customer Care immediately and request an investigation case number. Ask for a written dispute acknowledgment with the date opened, the specific item being reviewed, and the expected resolution timeline. If a payment is time-sensitive, you can sometimes resolve the balance while preserving your right to a refund if the investigation finds an error.

If you aren’t satisfied, escalate to a supervisor and ask for a formal written response. Review your lease agreement’s dispute and arbitration clauses for the required steps. Keep copies of your lease, all payoff quotes, confirmation texts/emails, and call reference numbers. If necessary, you can file a complaint with the Consumer Financial Protection Bureau at consumerfinance.gov/complaint or by phone at (855) 411‑2372; include your documentation for fastest handling.

For general marketplace visibility, you can also post a case with the Better Business Bureau at bbb.org. If you believe a state law was violated, your state Attorney General’s consumer protection division can advise on options. Provide exact dates, amounts, and written confirmations in every escalation.

Protecting Your Account and Avoiding Common Issues

Use only the official sites: progressiveleasing.com for consumer accounts and progleasing.com for corporate information. Never send card numbers or bank details over email or text. If someone calls you unexpectedly claiming to be Customer Care, hang up and dial the support number listed in your lease or app. Turn on two-factor authentication where offered, and keep your contact info current so you see payoff quotes and schedule changes immediately.

• Update your payment method in the app before 5:00 p.m. local time on the business day before your draft.
• Download your lease agreement and current payment calendar; check the next three due dates.
• Request a payoff quote at least 1–2 business days before you plan to pay it, then pay the same day you receive the quote.
• Set text or email reminders in the app; confirm you receive a “payment scheduled” or “payment processed” notice.
• Document everything: keep screenshots of schedules, confirmation numbers, and emailed receipts marked “paid in full.”