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Service Jewelry & Repair is proud to offer a NO CREDIT NEEDED* lease-purchase option through Progressive Leasing. Get the things you need today with just an initial payment and then fixed periodic payments over the next twelve months.


Progressive Leasing bases it's approval decision on more than just a credit score. Even if you don't have credit, you can still apply!


Apply online or in-store for a No Credit Needed Lease and get an instant decision. Once approved, start shopping immediately or take your time! Approvals are good for up to 90 days.


Progressive Leasing provides easy payment options and automatic withdrawals to accommodate your payday schedule!

*The advertised service is a rental- or lease-purchase agreement provided by Prog Leasing, LLC, o its affiliates. It is not a loan, credit or financing. While no credit history is required, Progressive obtains information from consumer reporting agencies in connection with lease application. Not available in MN, NJ, VT, WI. Merchant participating locations only. Not all applicants are approved. See lease for details.

AS EASY AS 1-2-3

To apply in-person, simply visit one of our retail locations and we'll walk you through everything! To apply online, follow the easy steps below!


Apply Now


Once approved, you can estimate costs and go shopping! Progessive sets up payments that match your paydays.


Start your lease for a small up front cost! If you use your lease in-store, you can take your purchase home today!

Need help? Contact us! We'd be more than happy to walk you through the application process or answer any questions you might have!


What is meant by "No Credit Needed"?

“No Credit Needed” means that you don’t necessarily need to have any credit history or a credit score to be approved for a lease. We do check credit 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.

Does it matter that I have bad or no credit?

Our underwriting process allows us to consider more than just credit reports and credit scores. We regularly approve people with less than perfect credit or very little credit history. However, not all applicants are approved.

What is needed to apply?

You must be 18 years or older, 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.

How is a lease different than a credit transaction, financing or a loan?

A Progressive lease is not credit. With a credit transaction, financing or a loan, you make a purchase with borrowed money that must be repaid, often with interest. With a Progressive lease, we purchase the merchandise you select from the retailer. Then, you sign an agreement to lease that merchandise from Progressive. Progressive owns the merchandise, but you can take ownership after making all required lease payments or through an early purchase option. While there is a cost associated with Progressive’s leasing services, we don’t charge interest.

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:

Learn more about Progressive Leasing