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

Progressive Leasing vs Affirm

Progressive Leasing 4.7★ · Free to download 55
Winner Affirm
Affirm 4.9★ · Free to download 75

Affirm generally offers a more reliable and user-friendly experience for installment payments, while Progressive Leasing is better suited for those needing a lease-to-own option with no credit check.

Full reviews: Progressive Leasing · Affirm

Affirm boasts a significantly higher lifetime rating and a larger user base, with many users praising its ease of use and flexible payment plans. Progressive Leasing, while offering a valuable lease-to-own service, is plagued by numerous app bugs and customer service issues, leading to a much lower overall satisfaction.

Head to head

Features & Flexibility edge: AffirmR10R15R17R30
Progressive Leasing Progressive Leasing is praised for its lease-to-own model, allowing users to acquire items like electronics and appliances without a credit check R55. Users appreciate the 90-day same-as-cash option to save money R10R17R49. However, some users are frustrated by restrictions on what they can lease, such as electric bikes, and the inability to use the full loan amount across multiple stores R15R30.
Affirm Affirm offers flexible payment plans and is widely available at various retailers, including Amazon . Many users appreciate the ability to choose payment options and pay off purchases early to save money . However, some users report inconsistent 'purchasing power' that fluctuates and doesn't always align with their actual approval, making it difficult to plan purchases R63R67R76R96.
Ease of Use & App Reliability edge: AffirmR1R3R5R6
Progressive Leasing Progressive Leasing's app is a major point of frustration for many users, with frequent reports of bugs, white screens, crashing, and login issues R1R3R5R6. Users also find the application process clunky, sometimes requiring re-application or extensive verification R5.
Affirm Affirm generally receives positive feedback for its app's ease of use and layout . However, recent updates have introduced issues like excessive verification steps , difficulty managing payment cards , and problems with logging in . Some users also report issues with the app not updating or displaying correctly .
Reliability & Payment Processing tieR9R10R16R42
Progressive Leasing Progressive Leasing users report significant issues with payment processing, including payments taking almost two weeks to process, incorrect application of early payments, and unexpected overdraft fees R9R10R16R42. Some users also experience declined transactions at checkout despite being approved .
Affirm Affirm users also report problems with payment processing, such as payments taking too long to clear and down payments being charged but the plan not going through, leaving users without their money for days . There are also instances of users being approved for a purchase but then declined at checkout .
Customer Service & Support edge: Progressive LeasingR9R16R48R53
Progressive Leasing Progressive Leasing's customer service receives mixed reviews. Some users praise it as exceptional and helpful R53, while others report issues with misinformation, unhelpful AI, and representatives not following instructions, leading to payment problems and frustration R9R16R48.
Affirm Affirm's customer service is a major pain point for many users. Reports indicate non-existent support, a maze of AI bots, chat agents closing conversations prematurely, and inconsistent or incorrect information from multiple representatives R64R88. Users often struggle to resolve issues even after numerous attempts.
Price & Value edge: AffirmR10R11R24R25
Progressive Leasing Progressive Leasing is frequently criticized for its high costs, with many users reporting paying double or even triple the original price of an item if they miss the 90-day payoff window R10R11R24R25. Some feel it's a 'scam' due to these high charges and alleged changes in terms R10.
Affirm Affirm is generally seen as a valuable option for managing purchases, with users appreciating the ability to pay over time, sometimes with 0% interest . Many users try to pay off loans early to avoid interest . However, some users feel the 'purchasing power' is misleading and that the company can be 'predatory' by denying credit after a good payment history R76.
Pick Progressive Leasing if

you need a lease-to-own option and are confident you can pay off your lease within the 90-day same-as-cash period to avoid high costs R17R49.

Pick Affirm if

you are looking for flexible installment payments for various purchases and value a generally more reliable app experience, despite some recent technical glitches and customer service frustrations .

Evidence note: Affirm has a significantly larger number of reviews, which provides a broader base of user experiences. Progressive Leasing's reviews, while fewer, consistently highlight specific app and payment issues.

Frequently asked

Does Progressive Leasing offer a 90-day same-as-cash option?
Yes, Progressive Leasing offers a 90-day same-as-cash option, which many users recommend to save money and avoid paying significantly more than the item's worth R10R17R49R55.
Are there issues with Affirm's 'purchasing power'?
Yes, many Affirm users report that their displayed 'purchasing power' is inconsistent and often misleading, with the app showing a high approved amount but then denying plans for much smaller purchases R63R67R76R96.
Is Progressive Leasing's app reliable?
No, Progressive Leasing's app is frequently reported as unreliable, with numerous users experiencing bugs, white screens, crashing, login issues, and difficulty accessing account information R3R7R12R19.
Does Affirm have good customer service?
Affirm's customer service is widely criticized as poor, with users reporting non-existent support, unhelpful AI bots, agents closing chats prematurely, and receiving inconsistent or incorrect information R64R88R102R110.

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. [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.
  2. [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!
  3. [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.
  4. [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.
  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. [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
  11. [R42] Progressive Leasing 1/5 · US Terrible: I have use progressive for years paying off all leases in 90 days. But they changed the app to where you can’t see the 90 day payoff to keep track of it. So now stuck with 2 leases i have to pay for a whole year. I have to also call them every week to make payment because they claim i have no money in account then hits you with a 29$ fee for payment bouncing. So i turned off auto pay. No
  12. [R48] Progressive Leasing 1/5 · US Request verification: Horrendous verification process where they want everything under the sun information wise sent in. Was told misinformation twice by customer service.
  13. [R53] Progressive Leasing 5/5 · US Grateful: I’m on my second big purchase through them and even when I struggled with the first one. They worked with me to get that one paid and then allowed me to use it again so I’m very grateful for this. I’ve had no issues with them at all and to have a service like this is priceless! I could never go out and directly buy a fridge or any other item reaching in the thousands without their help!!
  14. [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.
  15. [R24] Progressive Leasing 3/5 · US Don’t Do It!: You’ll end up paying more than double what the merchandise is worth.
  16. [R25] Progressive Leasing 1/5 · US Awful decision!: I have repaid so very much more than the initial purchase! Do not do this!!!
  17. [R49] Progressive Leasing 5/5 · US Happy customer: My hot water tank went out and I was absolutely broke. I got on the site and I got my hot water tank. Only thing is is you probably wanna do the three month pay off Or you’ll be paying double of what your purchase is
  18. [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
  19. [R63] Affirm 3/5 · US Purchasing Power: Purchasing power is annoyingly inconsistent. Like if I’m approved for a certain amount, tell me that. If I’m not approved, tell me that. A constantly fluctuating number is not helpful.
  20. [R67] Affirm 1/5 · US Bs purchasing power: Says “YOU HAVE $700 SPENDING POWER” but yet it can’t give me any plans for a $200 order? AI assistant says the $700 is an “estimate” which would still make no sense not being able to do anything with a $200 order not even letting me pay half up front. App is pointless and misleading
  21. [R76] Affirm 1/5 · US Spending power is a lie: Needed to use Affirm in an emergency and was relieved to see my spending power is $2680, except it was all a lie. The reasons they give don't match their own terms. If they'd have been honest upfront I could have figured out another payment method in time, but I'm missing vacation with my family because of deadlines hit while hearing false information from support.
  22. [R96] Affirm 1/5 · US Unreliable info: Completely at a loss with this app. I make all my payments on time just to be denied due to “repayment history” . It says im approved for a dollar amount that is constantly switching at random despite me making my payment on time, then doesnt even honor it the dollar amount im supposedly approved for with little to no plausibility. Makes absolutely no sense
  23. [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
  24. [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.
  25. [R19] Progressive Leasing 1/5 · US White screen: When pressing the account tab my screen goes white.
  26. [R64] Affirm 1/5 · US Non existent customer service: I’ve had a minor technical issue that should be easy to resolve yet their service is a maze of AI bots and human chat agents that close the conversation before it’s ever started
  27. [R88] Affirm 1/5 · US Customer: I am extremely dissatisfied with Affirm's customer service. I had to repeat my issue many times and received inconsistent and incorrect information from multiple representatives. There was no way to identify or track the representatives I spoke with, resulting in a lack of accountability. After nearly 50 calls over more than two months, my issue was still not properly resolved despite ca
  28. [R102] Affirm 1/5 · US Terrible Customer Service: I strongly discourage anyone from using this app. I spent over a month trying to resolve a dispute and obtain a refund, speaking with approximately 10 different customer service representatives, yet no one was able to provide a resolution. On multiple occasions, representatives ended the chat without addressing my issue. I also spoke with two different phone representati
  29. [R110] Affirm 2/5 · US Horrible Customer service but great app: I have used this service several times in the past and always paid my loans on time. Last week, I paid off three separate payments on three different loans. The payments were successfully charged to my account, and I never received any notification indicating that any of them had failed. This morning, I opened the app and was shocked to see that all three

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