Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
Head-to-head

Progressive Leasing vs Zip

Progressive Leasing 4.7★ · Free to download 40
Winner Zip
Zip 4.9★ · Free to download 80

Zip is the better choice for a buy now, pay later service due to its superior app functionality, broader merchant acceptance, and more consistent user experience, despite some recent issues.

Full reviews: Progressive Leasing · Zip

Zip generally offers a more reliable and versatile buy now, pay later experience with a highly-rated app and wide acceptance, though some users report recent issues with payments and customer service. Progressive Leasing struggles with significant app bugs and inconsistent customer service, often leading to frustration and unexpected costs for users.

Head to head

Features & Flexibility edge: ZipR2R10R11R14
Progressive Leasing Progressive Leasing offers options for larger expenses like appliances and electronics at specific retailers like Best Buy and Lowe's R2R14R57. However, users are frustrated by limitations on what they can lease, such as electric bikes , and the inability to use the full loan amount across multiple stores . Some users appreciate the 90-day same-as-cash option, but note that missing it can lead to significantly higher costs R10R11.
Zip Zip is praised for its versatility, allowing users to shop from any store using a virtual card R74R80. It's used for a wide range of purchases, from groceries to bills, and is considered a 'life saver' for many . Users appreciate the ability to split purchases into manageable payments and track them easily .
Ease of Use & App Functionality edge: ZipR1R3R5R6
Progressive Leasing Progressive Leasing's app is a major point of frustration, with numerous reports of bugs, crashing, white screens, and login issues R1R3R6R7. Users frequently cannot access their accounts, view lease information, or complete applications R5R12. The 'remember me' feature often fails, requiring repeated logins and verification .
Zip Zip is widely praised for being easy to use, fast, and straightforward, with a user-friendly interface . The approval process is quick, and payments are easily tracked and drafted automatically . However, some recent reviews mention app glitches, identity verification issues, and problems with transactions being put on hold .
Reliability & Trustworthiness tieR9R10R11R14
Progressive Leasing Progressive Leasing has mixed reviews on reliability. While some users have positive experiences with multiple leases and timely payments R14, many report significant issues. These include unexpected charges, payments not being processed correctly, and being charged double or triple the original price due to missed 90-day windows R9R10R11R16. There are also complaints about verification issues after initial approvals .
Zip Zip is generally seen as reliable and helpful for managing finances . However, a notable number of recent reviews highlight serious reliability concerns, including multiple payments being taken out for a single order, unrefunded overpayments, and accounts being suspended without clear reasons . Some users also report issues with transactions declining after a down payment is taken .
Customer Service & Support tieR9R12R13R16
Progressive Leasing Progressive Leasing's customer service receives mixed feedback. Some users report positive experiences, describing representatives as helpful and flexible . However, many users complain about poor support, including representatives misunderstanding requests, providing misinformation, and failing to resolve issues like payment errors or app problems R9R12R13R16. There are also reports of phone numbers being blocked R13.
Zip Zip's customer service is a significant pain point for many users. There are numerous complaints about the inability to reach supervisors, issues being escalated to an 'internal team' with no response, and problems remaining unresolved . Users report not receiving refunds for overpayments and being given the 'runaround' when trying to resolve account suspensions .
Price & Value edge: ZipR7R10R11R24
Progressive Leasing Progressive Leasing is often criticized for its high costs if the 90-day same-as-cash option is missed, with users reporting paying double or triple the original price for items R10R11R24R25. While some appreciate the ability to get items without upfront cash or a credit check R7, the long-term cost can be a significant deterrent.
Zip Zip is generally valued for its ability to help users manage finances and make necessary purchases by splitting payments . It's seen as a helpful tool for budgeting and avoiding large upfront costs. While specific interest rates aren't detailed in reviews, the core value proposition is the flexibility of payments.
Pick Progressive Leasing if

you need to lease larger items from specific partner retailers like Best Buy or Lowe's and are confident you can pay off the lease within 90 days to avoid high costs R14R57.

Pick Zip if

you want a versatile buy now, pay later option that can be used at almost any online store and appreciate a generally user-friendly app for managing payments R74R80.

Evidence note: Zip has a significantly larger number of ratings, with a higher lifetime average, but recent negative reviews for both apps indicate some declining user experiences, particularly around app functionality and customer service.

Frequently asked

Can I use these apps at any store?
Zip offers more flexibility, allowing users to shop from virtually any store using a virtual card R74R80. Progressive Leasing is primarily for specific partner retailers like Best Buy, Lowe's, and Big Lots R14R57.
Are there hidden fees or high costs?
Progressive Leasing users frequently report paying double or triple the original price if they miss the 90-day same-as-cash payoff window R10R11R24R25. Reviews for Zip do not highlight similar high-cost issues, focusing more on payment processing errors and customer service challenges .
Do these apps have technical issues?
Progressive Leasing's app is widely criticized for frequent bugs, crashing, white screens, and login problems, making it difficult to access accounts or complete applications R3R7R19R31. Zip users also report some recent app glitches and identity verification issues, but generally describe the app as easy to use and straightforward .

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. [R2] Progressive Leasing 5/5 · US Amazing service: Great options
  2. [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.
  3. [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.
  4. [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!
  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. [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.
  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. [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
  13. [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
  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. [R57] Progressive Leasing 5/5 · US Amazing Company: This Company is amazing. I was having financial difficulties and my washer broke. I was approved for Progressive Leasing at Lowe’s and bought the washer and paid it off in 90 days! From there I bought a brand new adjustable reclining bed from Raymour and Flanigan which I paid for in 90 days. Now I found out that they cover EBay purchases so I bought a watch that I loved and was al
  16. [R74] Zip 5/5 · US Number 1: This is by far the best “buy now, pay later” app. Never hassled me about lack of credit and so easy to use. Can use everywhere on anything.
  17. [R80] Zip 5/5 · US The most versatility: You can use your virtual card anywhere
  18. [R25] Progressive Leasing 1/5 · US Awful decision!: I have repaid so very much more than the initial purchase! Do not do this!!!
  19. [R19] Progressive Leasing 1/5 · US White screen: When pressing the account tab my screen goes white.
  20. [R31] Progressive Leasing 1/5 · US No working app: This app doesn't work at all!!! It keeps crashing and it's not stable. You're such a big company, but you can't even get the app to work... it's just a disgrace! Go to hell

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