11 Buy Now, Pay Later Camera Options (Some With No Credit Check)

Several stores offer buy now, pay later financing for camera purchases, including some big-name, nationwide stores. These retailers often offer store credit cards or store-branded credit cards as part of their financing options. Other options include rent-to-own and lease-to-own stores — while these companies usually don’t require a credit check, they often have other requirements and fees. For more details on where to get a buy now, pay later camera, see below.

Buy Now, Pay Later Camera Options

You have a few options when you’re looking to get a camera through a buy now, pay later plan. You can finance a camera purchase with a store credit card and make monthly payments, or you can rent- or lease-to-own through a specialized retailer. With one of these options, you can purchase a professional DSLR camera, a traditional point-and-shoot camera, and even camera accessories.

Financing Through a Store Credit Card

Applying for and financing a camera purchase through a store credit card or store-branded credit card makes sense if you have decent credit and are open to a credit check. Store credit cards can typically only be used at the particular retailer, but a credit card that is co-branded with an issuing company like Visa or Mastercard can be used anywhere the issuer is accepted. With a credit card, you’ll need to make monthly payments on your purchase. You may be able to take advantage of incentives like an interest-free period, but, beware of interest charges adding up if you don’t pay off your purchase on time or if you only make the minimum monthly payments.

Rent-to-Own and Lease-to-Own Stores

Many rent-to-own and lease-to-own stores will allow you to buy a camera and pay for it later without pulling your credit. This can be a good option if you have less-than-ideal credit or no credit history. Be aware that the retailer may report your payment history to the major credit bureaus, and you’ll likely need to provide your Social Security number and documentation of a steady income. You’ll also need to have an established bank account.

Also, keep in mind that you’ll probably end up paying more than the suggested retail price for the item through a rent-to-own or lease-to-own program due to added fees.

We’ve Done the Comparing for You — Here’s What We Recommend

For the widest range of camera brands and prices, Amazon will likely be your best option, and you can buy now and pay later with its store credit card or rewards Visa card. For an option that doesn’t rely on credit, consider shopping through FlexShopper, which offers lease-to-own plans for camera purchases. Adorama, a specialized camera and film equipment retailer, also allows customers to make purchases using FlexShopper’s lease-to-own plans.

Comparison Table: Buy Now, Pay Later Cameras

You can use the table below for a quick comparison of the stores that offer buy now, pay later plans for cameras, then click any store or scroll for more information.

Store Camera Selection Buy Now, Pay Later Option Credit Check Required?
Amazon DSLR, dashcams, hunting, instant, mirrorless, point-and-shoot digital, security, spy cameras, underwater, waterproof, and accessories Credit card Yes
FlexShopper Camcorders, dashcams, DSLR, drone-mounted cameras, instant, mirrorless, point-and-shoot digital, spy cameras, and underwater Lease-to-own-plan No
Adorama Camcorders, DSLR, drone-mounted cameras, instant, medium format, mirrorless, point-and-shoot digital, and accessories Lease-to-own through FlexShopper or credit card No for leasing plan; yes for credit card
Fingerhut Camcorders, DSLR, dashcams, instant, point-and-shoot digital, and waterproof Credit account Yes
Best Buy DSLR, instant, mirrorless, point-and-shoot digital, and accessories Credit card Yes
LeaseVile Camcorders, DSLR, instant, mirrorless, and point-and-shoot digital Lease-to-own plans No
Zebit Dashcams, DSLR, instant, mirrorless, and waterproof Interest-free installment plans No
Perpay DSLR, instant, point-and-shoot digital, waterproof, and accessories Interest-free installment plans No
Stoneberry Camcorders, dashcams, drone-mounted cameras, instant, point-and-shoot digital, photo printers, spy cameras, and waterproof Credit account Yes
Ownable 360-degree cameras, digital camcorders, DSLR, instant, mirrorless, photo printers, point-and-shoot digital, and waterproof Rent-to-own plans No
Montgomery Ward Camcorders, dashcams, instant, point-and-shoot digital, and security Credit account Yes

Stores That Offer Buy Now, Pay Later for Cameras

The following stores allow you to buy now and pay later for a new camera. We obtained this information by researching company websites and contacting customer service representatives. We’ve ordered the list below starting with the best overall options.

1. Amazon

  • Types of cameras: DSLR, dashcams, hunting, instant, mirrorless, point-and-shoot digital, security, spy cameras, underwater, waterproof, and related accessories
  • Buy now, pay later option(s): Amazon Prime Store Card or Amazon Prime Rewards Visa Card
  • Credit check required? Yes
  • Interest and/or fees: Late fees for both cards are up to $38; see the account agreements online for current APR information.
  • Start shopping

2. FlexShopper

  • Types of cameras: Camcorders, dashcams, DSLR, drone-mounted cameras, instant, mirrorless, point-and-shoot digital, spy cameras, and underwater
  • Buy now, pay later option(s): FlexShopper offers lease-to-own plans for appliances, audio equipment, cameras, cell phones, computers, fitness equipment, furniture, jewelry, mattresses, tablets, televisions, tires, and video game consoles. Shoppers must be at least 18, have a steady income, and have a bank account that’s been active at least 90 days.
  • Credit check required? No; FlexShopper does report missed payments to the major credit bureaus
  • Interest and/or fees: Vary by payback period; for example, if your payback period is 90 days, you’ll pay the cash price plus tax.
  • Start shopping

3. Adorama

  • Types of cameras: Camcorders, DSLR, drone-mounted cameras, instant, medium format, mirrorless, point-and-shoot digital, and related accessories
  • Buy now, pay later option(s): You can lease-to-own through FlexShopper or apply for and finance through an Adorama store credit card. The FlexShopper program offers “90 days same as cash” on certain items and ongoing lease-to-own arrangements. New Adorama Credit Card account holders can take advantage of interest-free purchases on numerous brands if you pay the entirety of your balance within six months, 12 months, 24 months, or 48 months (depending on the promotion).
  • Credit check required? The Flexshopper program does not require a credit check; the Adorama store credit card does require a credit check
  • Interest and/or fees: See the Adorama Credit Card account page for current interest rates and fees
  • Start shopping

4. Fingerhut

  • Types of cameras: Camcorders, DSLR, dashcams, instant, point-and-shoot digital, and waterproof
  • Buy now, pay later option(s): Fingerhut Credit
  • Credit check required? Yes
  • Interest and/or fees: Fingerhut Credit has late fees up to $39 and returned payment fees up to $39. See the Fingerhut Account Opening Disclosures for details on the current APR.
  • Start shopping

See our related research on the preapproval and application process for Fingerhut Credit.

5. Best Buy

  • Types of cameras: DSLR, instant, mirrorless, point-and-shoot digital, and related accessories
  • Buy now, pay later option(s): My Best Buy Credit Card
  • Credit check required? Yes
  • Interest and/or fees: The My Best Buy Credit Card has late fees up to $39. See the My Best Buy Credit Card Terms and Conditions for details on the current APR.
  • Start shopping

6. LeaseVille

  • Types of cameras: Camcorders, DSLR, instant, mirrorless, and point-and-shoot digital
  • Buy now, pay later option(s): LeaseVille offers lease-to-own plans for electronics, appliances, musical instruments, fitness equipment, tools, and lawnmowers. Applicants must have proof of a steady income of $1,200 per month for at least six months and an active checking account.
  • Credit check required? No
  • Interest and/or fees: None
  • Start shopping

7. Zebit

  • Types of cameras: Dashcams, DSLR, instant, mirrorless, and waterproof
  • Buy now, pay later option(s): Zebit sells name-brand goods through interest-free installment plans. Zebit must be able to validate your income and/or employment.
  • Credit check required? No; Zebit uses alternate consumer reporting agencies to determine your creditworthiness
  • Interest and/or fees: Zebit passes on an 18% surcharge when purchasing electronic gift certificates
  • Start shopping

8. Perpay

  • Types of cameras: DSLR, instant, point-and-shoot digital, waterproof, and related accessories
  • Buy now, pay later option(s): Perpay sells name-brand goods through interest-free installment plans. You must show proof of employment, have an active mobile phone number, be in good financial standing (including no active bankruptcies), and make at least $15,000 annually.
  • Credit check required? No; Perpay does require a valid Social Security number but will not pull your credit
  • Interest and/or fees: Perpay doesn’t charge interest. If you stop or lower your direct deposit or allotment amount below your minimum payment, you will incur a $35 fee.
  • Start shopping

9. Stoneberry

  • Types of cameras: Camcorders, dashcams, drone-mounted cameras, instant, point-and-shoot digital, photo printers, spy cameras, and waterproof
  • Buy now, pay later option(s): Stoneberry Credit
  • Credit check required? Yes
  • Interest and/or fees: Stoneberry Credit’s late fees and finance charges depend on your state of residence. See the Stoneberry Credit Terms & Conditions for details on the current APR.
  • Start shopping

10. Ownable

  • Types of cameras: 360-degree cameras, digital camcorders, DSLR, instant, mirrorless, photo printers, point-and-shoot digital, and waterproof
  • Buy now, pay later option(s): Ownable specializes in providing electronics and appliances on a rent-to-own basis. Members must be at least 18, have a regular source of income, provide a valid Social Security number, and have a credit card or debit card to make payments to Ownable.
  • Credit check required? Ownable doesn’t pull credit from any of the major agencies.
  • Interest and/or fees: None
  • Start shopping

11. Montgomery Ward

  • Types of cameras: Camcorders, dashcams, instant, point-and-shoot digital, and security
  • Buy now, pay later option(s): Wards Credit Account
  • Credit check required? Yes
  • Interest and/or fees: Wards Credit has late payment fees up to $15 and returned payment fees up to $25. See the Wards Credit Initial Disclosure for the current APR.
  • Start shopping

For even more ways to finance a camera purchase, see our article with the list of electronics stores that offer financing plans.