14 Buy Now, Pay Later Electronics Stores (Many With No Credit Check)

Looking to buy a new computer or television, but don’t have enough cash on hand? Buy now, pay later programs let you purchase the items you want and then pay for them over time — typically with some form of interest added. It’s worth noting that sometimes there are special, interest-free introductory offers if you pay in full before the end of the financing term — but know that if you don’t pay in full by this time, you may be charged interest from the original date of purchase.

Many types of stores offer buy now, pay later financing, including electronics stores and superstores that sell electronics. In this article, we’ll show you the national and regional stores that offer buy now, pay later for electronics, with options for all credit levels. So buy now pay later electronics stores are out there. Continue to see if they require a credit check and/or are okay with bad credit…

Things to Know Before Financing

Before agreeing to a “buy now, pay later” financing program, there are a few potential downsides to keep in mind. Most financed purchases are charged interest unless you pay for your purchase in full within a specified period — within one billing cycle for some credit cards, or by the end of the financing term, for example. Your payments with interest may be manageable, but the item will cost more in total than if you purchased it outright, so you may want to consider saving up in cash if you don’t need the item right away. It’s also important to note that missed payments can lead to late fees, or may have a negative impact on your credit score. Note the following charges and policies before accepting financing, to understand the fees and penalties associated with financing:

  • Annual fees (if any)
  • APR and minimum interest charge
  • Down payment (if any)
  • Item return/repair policies (for leasing agreements)
  • Late payment fees
  • Payment due date/billing cycle
  • Returned payment fees
  • Total purchase amount (including the item price, interest, and fees)

Stores With Buy Now, Pay Later Electronics

The following stores offer buy now, pay later financing for electronics. We’ve also separated stores based on the general credit level needed for approval.

For Customers with Fair to Excellent Credit

Amazon

  • Locations: Online only
  • Buy now, pay later option: Amazon Store Card
  • Credit score: Fair
  • Deferred payment available? Yes; first payment is due 30 days from time of purchase
  • Deposit required: None
  • How to apply for financing: Sign in to Amazon or create a free account to fill out the Amazon online application (paid partner link)

Apple Store

  • Locations: Most states, including Alaska, Hawaii, and Washington, D.C.
  • Buy now, pay later option: Barclaycard Visa with Apple Rewards
  • Credit score: Fair
  • Deferred payment available? Yes; six months on purchases below $499, 12 months on purchases $499 to $999, and 18 months on purchases over $999
  • Deposit required: None
  • How to apply for financing: Fill out the Barclaycard Visa application online or in-store.

Suggested Article: 14 Bad Credit Computer Financing and No Credit Check Computer Stores

Best Buy

  • Locations: Nationwide
  • Buy now, pay later option: Best Buy Credit Card
  • Credit score: Fair
  • Deferred payment available? Yes; first payment is due 30 days from time of purchase
  • Deposit required: None
  • How to apply for financing: Create a free Best Buy account to fill out an online application, or apply in-store at any Best Buy location

Fry’s Electronics

  • Locations: AZ, CA, GA, IL, IN, NV, OR, TX, WA
  • Buy now, pay later option: Fry’s Credit Card
  • Credit score: Fair
  • Deferred payment available? Yes; first payment is due 30 days from time of purchase
  • Deposit required: None
  • How to apply for financing: Apply in-store at any Fry’s Electronics location\

Newegg

  • Locations: Online only
  • Buy now, pay later option: Newegg Store Credit Card (issued by Synchrony Bank)
  • Credit score: Good
  • Deferred payment available? Yes; first payment is due 30 days from time of purchase
  • Deposit required: None
  • How to apply for financing: Create a free Newegg account to fill out the application

Home Shopping Network (HSN)

  • Locations: Online only
  • Buy now, pay later option: HSN Card
  • Credit score: Required credit levels not disclosed by the issuing bank, Comenity Capital Bank
  • Deferred payment available? Yes; first payment is due 30 days from time of purchase
  • Deposit required: None
  • How to apply for financing: Create a free HSN account to fill out the application

Target

  • Locations: Nationwide
  • Buy now, pay later option: Target REDcard Credit
  • Credit score: Fair
  • Deferred payment available? Yes; first payment is due 30 days from time of purchase
  • Deposit required: None
  • How to apply for financing: Fill out the Target application for credit, or apply in-store at any Target location.

Walmart

  • Locations: Nationwide
  • Buy now, pay later option: Walmart Credit Card
  • Credit score: Fair
  • Deferred payment available? Yes; first payment is due 30 days from time of purchase
  • Deposit required: None
  • How to apply for financing: Create a free Walmart.com account to fill out the application, or apply in-store at any Walmart location

For Customers with Poor/No Credit

These stores provide buy now, pay later electronic financing for most credit levels, including shoppers with bad credit or no credit. Most of these programs do not require a credit check for a financing decision.

Fingerhut

  • Locations: Online only
  • Buy now, pay later options: Fingerhut Credit Line, Fingerhut FreshStart Loan
  • Credit score: Fair for credit line; bad credit/no credit typically approved for FreshStart loan
  • Deferred payment available? No
  • Deposit required: First monthly payment due at time of purchase for credit line; minimum $30 down payment for FreshStart loan
  • How to apply for financing: Fill out the Fingerhut credit application

FlexShopper

  • Locations: Online only
  • Buy now, pay later option: FlexShopper financing
  • Credit score: No credit check required. Must be 18 or older, earn at least $1,000 per month, and have a bank account that’s been open for at least 90 days to qualify.
  • Deferred payments available? No
  • Deposit required: First payment due at purchase
  • How to apply for financing: Fill out the FlexShopper application

Suggested article: Sites Very, Very Similar to FlexShopper (and How They’re Different)

Kmart

  • Locations: Nationwide
  • Buy now, pay later option: Kmart Leasing
  • Credit score: No credit check required. Must be 18 or older with a valid Social Security number, driver’s license or government-issued ID, and earn at least $1,000 per month to qualify.
  • Deferred payments available? No
  • Deposit required: First payment due at time of purchase
  • How to apply for financing: Fill out the Sears LeaseIt application or apply in-store at any Kmart location.

Overstock

  • Locations: Online only. Leasing not available for residents of AL, AK, CT, HI, KY, MN, NC, NJ, PA, UT, VT, WA, WI, or WY.
  • Buy now, pay later option: Progressive Leasing
  • Credit score: No credit check required. Must be 18 or older with a valid Social Security number, checking account, and debit or credit card
  • Deferred payment available? No
  • Deposit required: $49 down payment due at time of purchase
  • How to apply for financing: Agree to the Overstock terms of use and proceed to the Progressive application.

Rent-A-Center

  • Locations: Nationwide
  • Buy now, pay later option: Rent-A-Center Financing
  • Credit score: No credit check required. Must have a permanent address, a source of income, and two references to qualify.
  • Deferred payment available? No
  • Deposit required: First payment due at time of purchase
  • How to apply for financing: Fill out the Rent-A-Center prequalifying application and then go to your nearest location to complete the process.

Sears

  • Locations: Nationwide
  • Buy now, pay later option: Sears Leasing
  • Credit score: No credit check required. Must be 18 or older with a valid Social Security number, driver’s license or government-issued ID, and earn at least $1,000 per month to qualify.
  • Deferred payment available? No
  • Deposit required: First payment due at time of purchase
  • How to apply for financing: Fill out the Sears LeaseIt application or apply in-store at any Sears location.

In Summary

Buy now pay later electronics are available, online or in-store, no credit or bad credit okay. With these programs, you can take home a new computer, television, phone, or other major electronic purchase and pay for it over time while you enjoy your new purchase. There are many electronics stores, superstores, and online stores offering buy now, pay later electronics financing with a wide range of options, including programs for people with poor credit or no credit. It’s a good idea to be cautious with financing — know the terms and fees before buying, and don’t finance a purchase you can’t afford to pay off. But wherever you’re located, chances are good there’s a buy now, pay later electronics option near you that will suit your needs and your credit level.

If you’re looking to buy an Xbox One with financing, this article about where to get an XBox One and pay monthly with no credit check is even more for you. If you’re set on getting a buy now, pay later drone deal see our article about the list of retailers that sell drones as buy now pay later.