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Updated July 2026 · real, multi-region App Store reviews
Head-to-head

Progressive Leasing vs Afterpay

Progressive Leasing 4.7★ · Free to download 55
Winner Afterpay
Afterpay 4.9★ · Free to download 70

Afterpay is generally the better choice due to its more reliable app experience and clearer payment terms, despite some recent issues with account freezes and customer service, while Progressive Leasing struggles with persistent app bugs and user confusion regarding its lease terms.

Full reviews: Progressive Leasing · Afterpay

Afterpay offers a more consistent user experience with its app and flexible payment options, though recent issues with account access and customer support have frustrated some users. Progressive Leasing provides a valuable service for larger purchases but is plagued by widespread app functionality problems and complaints about its pricing structure.

Head to head

Features and Flexibility edge: AfterpayR15R17R30R32
Progressive Leasing Progressive Leasing is praised for enabling large purchases, like appliances and electronics, with no hard credit check, and offers a 90-day same-as-cash option R17R32. However, some users report limitations on what can be leased, such as electric bikes, and wish they could split loan amounts across multiple stores R15R30.
Afterpay Afterpay is highly valued for its no-interest, four-installment payment plans, allowing users to purchase a wide range of items, including luxury goods and groceries, without upfront costs . Users appreciate the flexibility for both online and in-store shopping, though some express frustration over limited eligibility for the Afterpay card and recent issues with single-use cards .
Ease of Use (App Experience) edge: AfterpayR1R3R5R6
Progressive Leasing Progressive Leasing's app is widely criticized for numerous bugs, including white screens, freezing, login issues, and difficulty accessing account information or applying for leases R1R3R5R6. Some users also find the application process clunky, requiring re-entry of information or extensive verification R5.
Afterpay Afterpay is generally considered easy to use for making purchases and managing payments . However, recent updates and glitches have led to significant app issues, including login problems, identity verification failures, and difficulties with payment methods or single-use cards R64.
Reliability and Account Management tieR9R10R13R14
Progressive Leasing While some users have smooth experiences with Progressive Leasing, especially when paying off leases within 90 days R14R17R38, many report issues with customer service, payment processing delays, and unexpected charges R9R10R16. There are also complaints about account verification hurdles and being blocked from future purchases R13.
Afterpay Afterpay has a history of reliable service for many users, particularly those who consistently pay on time . However, a significant number of recent reviews highlight severe reliability issues, including sudden account freezes, bans, and reduced spending limits for minor or perceived payment delays R64R66. There are also reports of incorrect billing and payment processing errors .
Price and Value edge: AfterpayR10R11R24R25
Progressive Leasing Progressive Leasing is valued for providing access to necessary items without a credit check, especially for those with financial difficulties R32R55. However, many users strongly caution that missing the 90-day payoff option results in paying significantly more, often 2-3 times the original price, which leads to feelings of being scammed R10R11R24R25.
Afterpay Afterpay is highly praised for its interest-free payment model, which allows users to budget and manage finances without accruing debt . While the service is generally seen as valuable, some users report issues with unexpected fees or being charged twice for orders .
Customer Support edge: Progressive LeasingR9R16R38R47
Progressive Leasing Progressive Leasing's customer service receives mixed reviews. Some users report positive experiences, finding representatives helpful and flexible R38R47. However, a significant number of complaints detail unhelpful or misleading interactions, issues with payment processing, and difficulty resolving account problems R9R16.
Afterpay Afterpay's customer service is a major point of contention, with numerous users describing it as unresponsive, unhelpful, and difficult to access . Users frequently report issues with identity verification and account freezes that support struggles to resolve .
Pick Progressive Leasing if

you need to finance a large purchase like an appliance or electronics and plan to pay it off within 90 days to avoid high costs R17.

Pick Afterpay if

you want a flexible, interest-free way to split smaller purchases into four payments and generally prefer a more reliable app experience .

Evidence note: Both apps have a significant number of negative recent reviews, particularly regarding app functionality and customer service. Progressive Leasing's issues are more consistently about app bugs and high costs if 90-day payoff is missed. Afterpay's recent issues are more centered on account freezes, verification problems, and unresponsive customer support, despite a higher lifetime rating.

Frequently asked

What are the main pricing differences between Progressive Leasing and Afterpay?
Progressive Leasing offers a 90-day same-as-cash option, but if you miss this window, you could end up paying 2 to 3 times the original purchase price R10R11R24R25. Afterpay, on the other hand, is generally interest-free, splitting purchases into four equal installments .
Do these apps perform credit checks?
Progressive Leasing explicitly states that there is no hard credit check that hits your credit, making it an option for building credit R32R55. Afterpay's reviews do not explicitly mention credit checks, but users report needing to provide personal information like SSN for verification R85R118.
What are the common app issues for Progressive Leasing?
Progressive Leasing users frequently report issues such as the app displaying white screens, freezing, failing to load account information, problems with logging in, and errors during the application process R3R7R12R19.
Why are Afterpay accounts being frozen or banned?
Afterpay users report accounts being frozen or banned for reasons including identity verification issues, payment malfunctions, or even minor payment delays R64R66R79R80.

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R15] Progressive Leasing 3/5 · US No Ebikes: Why should they determine what you lease as long as it’s within your lease amount. Electric bikes/dirt bikes are excluded. Ridiculous!
  2. [R17] Progressive Leasing 5/5 · US Excellent: Completed several purchase never had any issue. I shop mainly Best Buy I do recommend using the 90 day pay off to save you money. I did turn in one purchase wanted to upgrade the laptop. No problem they sent me the box and I sent it back, Lease complete and new MacBook I got.
  3. [R30] Progressive Leasing 3/5 · US Not horrible: Not a bad program, typical high interest rates but still better than not being able to get things you want. Main complaint is I wish you didn’t have to use the whole loan amount at one store. Being able to shop would be nice.
  4. [R32] Progressive Leasing 5/5 · US Top Contender: Progressive Leasing is leading the market and here’s why. I’ve used progressive for a while now, and they are so easy to use. There was no Credit Check that hit my credit, just easy financing. Highly suggest Progressive Leasing and Sezzle for all of your financing needs. They are two great options depending on the financing options you are looking for.
  5. [R1] Progressive Leasing 2/5 · US Sign up error: I was excited to apply and use this but every time I enter my Social Security number it says it’s wrong format although I’m entering it in correctly
  6. [R3] Progressive Leasing 3/5 · US Can’t open anything to apply: App has some bugs, I wanna go to Best Buy but it won’t go to it. It just sits on a white screen the whole time I have tried with and without WiFi to get it to work and nothing
  7. [R5] Progressive Leasing 4/5 · US Not user friendly app: Coming back to an application can be a headache. It will have you apply all over again and then it’ll say pending because you already have an app open..
  8. [R6] Progressive Leasing 3/5 · US Ok: Going into my app account lags and won’t even let me log in sometimes.
  9. [R9] Progressive Leasing 3/5 · US Irritated: I made an early payment on my account thinking I was doing a good thing to get ahead and I told the representative that I was making the payment early for the payment due two days later but instead she put the payment in as an additional payment and my account is now being drafted for another payment which will not clear and I will be getting an overdraft fee. I explained what should ha
  10. [R10] Progressive Leasing 1/5 · US Scam!!!: I’ve been using them for about 5 years now. At first they offered a 90 days same as cash but now customer service acts like they never did and charged almost 3x the price amount and now they keep raising the tax amounts on payments. They take almost two weeks to process the payments. This is a scam do not do it or you will pay a lot more than what it’s worth.
  11. [R13] Progressive Leasing 1/5 · US discrimination: terrible people to deal with when you've paid every lease off early and because you didn't pay their pawnshop lease by paying it off early every time and for that they block your phone number so you cannot get any other purchases even with an approved amount! Discrimination
  12. [R14] Progressive Leasing 5/5 · US Soo easy to use!: Used now multiple times at multiple retailers like Best Buy, the New Big Lots, and Lowe’s. The application is super fast as it has all my info pre-populated. Tap to pay awesome as well!
  13. [R11] Progressive Leasing 4/5 · US Worst decision ever: Does what it needs to do HOWEVER accidentally missing your 90 days (because they will NOT remind you i missed by 1 day) will get you stuck paying 3xs more than what it is worth and god forbid you did not buy anything over $200. A last minute emergency $800 ipad costed me $2300. Thankful to be more responsible with my belongings now. I will never use them again.
  14. [R24] Progressive Leasing 3/5 · US Don’t Do It!: You’ll end up paying more than double what the merchandise is worth.
  15. [R25] Progressive Leasing 1/5 · US Awful decision!: I have repaid so very much more than the initial purchase! Do not do this!!!
  16. [R16] Progressive Leasing 1/5 · US There service: I call them to make my early purchase payoff amount to pay my lease off and the lady even repeated what I wanted to do but instead of scheduling the payment she left it alone and just let a regular weekly payment come out of my account and now I’m having to pay double to pay it off vs if she would of some like I asked her to do I could of payed it off now I’m having to pay double so
  17. [R38] Progressive Leasing 5/5 · US Easy and smooth: I’ve heard complaints about contacting customer service but I did my lease through the app and it all went very smooth.
  18. [R47] Progressive Leasing 5/5 · US “Been dere, DNE wTHAT!”🙌🏾: I used them in the past. I had ‘Great Experiences’ 1 Shady but made it right
  19. [R55] Progressive Leasing 5/5 · US This is one of the best ways to build credit: I have used Progressive Leasing 3 times and I’ve loved the process and how easy it is to get your quote and start shopping. The payments are automatic, so it’s no hassle with remembering to make the payment. It is a great option if you are new to building credit or just want that extra boost. I love using them and you always have the option to pay off
  20. [R85] Afterpay 4/5 · US Weird: I’ve used this app for years but lately it had been asking me for social security number which I don’t have so I stopped using it.. I checked yesterday and payed some stuff with afterpay and it was approved without asking me for ssn … wonder why they changed it again
  21. [R118] Afterpay 1/5 · US Ssn?: Why do I have to share my personal information just because I’m using you as an intermediary? That doesn’t make sense.
  22. [R7] Progressive Leasing 2/5 · US Mobile App Needs Work: While leasing thru them is quite easy and hassle free if you need to get a bigger expense quick without having the cash on hand - the mobile app is ABSOLUTE BUNS. The app hardly ever is able to pull up my account, it goes to a blank white page and just sits there. I don't know how anyone else isn't having this problem but it's with both my iPhone and my android tablet, so i
  23. [R12] Progressive Leasing 3/5 · US Meh: While I do not have issues with the loan themselves, I have a terrible issue with this app. I was approved for a loan through the Best Buy app. I did the loan and then a few days later went to download this app so I can check on it. And on this app, it won’t even let me make an account. I keep getting an error whenever I go to make an account and when I contacted support, they made a ticket.
  24. [R19] Progressive Leasing 1/5 · US White screen: When pressing the account tab my screen goes white.
  25. [R64] Afterpay 1/5 · US Cant Use After Years of Building: I recently tried using Afterpay for a purchase that I couldn’t afford to pay all at once. Every time I reached checkout, the app let me select a payment plan like everything was working, but as soon as I confirmed it, I got a generic “Something went wrong” error. This happened every single time. What makes this even more frustrating is that I have a $3,000 spendi
  26. [R66] Afterpay 3/5 · US One hour missed payment?!: You guys really dropped my spending limit $700 for a missed payment that was one hour late wow I don’t know about using you guys anymore because that’s just ridiculous. I had an $1800 spending limit and I miss my payment by one hour and you guys drop my spending limit to only $1100. Shame on you. It wasn’t even a whole day overdue and you guys decrease my spending limit
  27. [R79] Afterpay 5/5 · US Banned from the app for THEIR malfunctions: Was banned indefinitely from the app all just because of THEIR payment malfunction.
  28. [R80] Afterpay 2/5 · US It’s okay: Firsti thought afterpay was the best !!! Then my check was delayed by 4 days I paid my bill they paused my account told me I had to built good payment history back up after being with them 2years !!! Definitely paying them off and never using again

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store