VIVE logo

Applicants are considered for two options.  Vive is a Revolving Credit Card with an available credit limit that can be used multiple times.  Progressive Leasing offers a simple lease program where you pay over time, and if you complete all lease payments or exercise an early purchase option, you will own the product(s).

Once approved, simply bring your approved application number and photo identification to the Metro Mattress location nearest you or place your order online. Call or visit a Metro Mattress store location for complete details.  You can access and manage your Vive account or Progressive account online to make a payment, change your payment plan, manage early buyout options, and more!


Who is Vive Financial?

Vive was founded in 1983 and is a revolving credit card. In addition to consumer financing for retailers such as mattresses, we also finance medical services and other retail environments.

What is the Interest Rate?

35.99 % Fixed APR

Are there Promotional Programs Available?

Yes, promotional programs are available at invoice thresholds:

  • $0 ‐ $598.99 = Standard Charge
  • $599.00 ‐ $1998.99 = 6 Months Deferred Interest
  • $1999.00 and above = 12 Months Deferred Interest

What will my payment be?

Minimum Payment is $25, 4% of Highest Balance, or 1% plus interest and fees, whichever is greater.  For instance, on a purchase of $2000, the payment would be $83 per month.

How much credit will I receive?

Credit limits are based on each individual and range from $600 to $7,000.

When I apply, is there an inquiry to a Credit Bureau?

Yes, if the application is sent to Vive, there will be an inquiry from a Credit Bureau. Most of time the credit report is obtained from Equifax.

When is my payment due?

The first payment is due approximately 25 days after the merchandise is delivered.


Who is Progressive Leasing?

We are a No Credit Needed lease-purchase option that helps you take home the items you want or need today!

What is the Progressive lease-purchase program?

The Lease-to-Own Program from Progressive can be a great way to get what you want right now. Progressive offers a simple lease program where you pay over time, and if you complete all lease payments or exercise an early purchase option, you will own the product(s).

What is lease-to-own or a lease-purchase program?

Leasing 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 own your merchandise.

Progressive Leasing provides a rental- or lease-purchase agreement or in certain states, a rent-to-own agreement, a consumer rental-purchase agreement, or a lease agreement with an option to purchase. It is not a loan, credit or financing. While no credit history is required, Progressive obtains information from consumer reporting agencies in connection with your lease application.

An initial payment is required at lease signing. All remaining lease payments will be determined by the cash price of the leased item and the frequency of payments. You will not own the leased merchandise or acquire ownership rights unless you make all your payments or exercise an early purchase option. Progressive Leasing is not available in MN, NJ, VT, WI or WY. Merchant participating locations only. Not all applicants are approved.

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.

What is the process? How do I get started with a lease-purchase option today?

1. Complete an application. 2. If approved, go shopping for leasable items. 3. Review, sign your lease, and make the initial payment. 4. Get your item(s) today or set up future delivery.

What do I need 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.

Will a lease application impact my credit?

Applying for a lease with Progressive Leasing should not impact your FICO score; however, we do look at credit bureau reports, and this inquiry may appear on your credit report.

Is this a hard or soft hit on my credit?

Progressive Leasing will only make soft inquiries to the Big Three Credit Bureaus (Transunion, Experian & Equifax). Other secondary bureaus, however, do not offer this option, and inquiries to those bureaus (none of which prepare FICO scores) may be considered hard inquiries.

An inquiry occurs any time an individual or business requests a copy of a person’s consumer report – also known as a credit report. The bureaus keep a record of all inquiries made. Creditors and scoring models could consider inquiries a negative factor in a consumer’s report. On a soft inquiry, the inquiry is only visible to the consumer if requesting a copy of their own consumer report, whereas a hard inquiry can be seen by other credit reporting agencies. Because select scores are built using the data from consumer reports, a soft inquiry should not be seen by scoring algorithms and should not impact credit scores.

How long does my approval last?

Your approval is good for 90 days. If you have not signed a lease within 90 days, your approval expires, and you will have to reapply with Progressive. At some retailers, if you do not sign your lease 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.

Do you charge an application fee or any other up-front fee?

No, we do not charge an application fee or processing fee. Your initial payment will be withdrawn from your credit or debit card immediately after the lease is executed, but it is the first of your lease payments and is part of the total cost of the lease. If you are not approved, you will not be charged anything.

How much can I get approved for by Progressive’s lease-purchase program?

It depends. Applicants are evaluated on an individual basis and we look at many data points, including credit information, income, and banking history to determine approval amounts. These data points will indicate whether a Progressive Lease would be a good fit and, if so, the approval amount.

How long is the lease agreement?

All lease/purchase agreements are 12 months.

Who owns the merchandise?

We purchase the items you select. Progressive Leasing will buy the leasable items you selected from the retailer and lease those items to you. If you complete all lease payments or exercise an early purchase option, you will own the item(s).

Are there any buyout options?

Progressive Leasing offers early buyout options to customers who wish to own the merchandise outright before the end of the 12-month lease. There are two buyout options:

  1. 90 Day Payment Option – You pay only the leased amount and a $49 initial payment (plus applicable sales tax) within 90 days of the delivery date.
  2. Early Buyout Option – This option is available after the 90 day purchase option expires. It includes the cost of the merchandise, a reduced cost of leasing for the full year, and any applicable taxes. This amount is calculated using a formula that is specific to your state of residence.

Are any payments due immediately?

A small, upfront initial payment of $49 (plus applicable sales tax) will be collected during the lease creation process from your debit or credit card provided within the application.

How do I make payments?

Payments will be deducted automatically from your bank account or charged to your card. Charges will appear on your statement as Progressive Leasing or Prog Lease, not the store where you selected your merchandise.

Once paid in full, you own it. Progressive Leasing is the owner of the items until all scheduled payments are made or you exercise a buyout option. At that time ownership will transfer to you. The least expensive option to purchase expires 90 days after delivery date. Regularly scheduled payments are still due even if you intend to exercise an early purchase option.

Where do I send my payment?

Payments will be automatically deducted from your banking account on every date that you are paid by your employer. If you are interested in exercising a buyout option you may contact Progressive Leasing at 1-877-898-1970.

Where can I access my lease agreement?

Full terms are in your agreement, which will be mailed and emailed to you and available at Copies sent are computer-generated and may not include your signature.

Who should I contact if I have questions about my account?

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:

How do I update my mailing address and/or phone number?

You can change your address or telephone number by contacting Progressive Leasing at 1-877-898-1970.

Can I cancel my lease?

You can cancel your lease at any time. Our Customer Satisfaction Policy allows you to cancel your agreement within five calendar days of signature and receive a full refund by calling us at (877) 898-1970. After that 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 rent charges and fees. You can get returned items back. Your agreement includes reinstatement rights that may allow you to get returned items back.

The advertised service is a rental- or lease-purchase agreement provided by Prog Leasing, LLC, or its affiliates. Acquiring ownership by leasing costs more than retailer’s cash price. 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, WY. Merchant participating locations only. Not all applicants are approved. Leasing available on select items. See lease for details.