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.

Many types of stores offer buy now, pay later financing, including electronics stores and superstores that sell electronics. In this article, we’ll take a look at 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. Read to see if they require a credit check and/or are okay with bad credit…

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

1. Amazon

2. Apple Store

3. Best Buy

  • Buy now, pay later option: Best Buy Credit Card
  • Credit score: Fair to excellent
  • Deferred payment available? Yes; first payment is due 30 days from time of purchase
  • Deposit required: None
  • Source: My Best Buy Credit Card page
  • 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
  • Locations:  Nationwide.
  • Find your nearest Best Buy

4. Fry’s Electronics

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

5. Newegg

6. Home Shopping Network (HSN)

  • 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
  • Source: HSN Card VIP page and customer service representative
  • How to apply for financing: Create a free HSN account to fill out the online application
  • Locations: Online only.
  • Shop for electronics now at HSN

7. Target

8. Walmart

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

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.

9. Fingerhut

  • Buy now, pay later options: Fingerhut Credit Line, Fingerhut FreshStart Loan
  • Qualifications: Fair to excellent 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
  • Source: Fingerhut Terms and Conditions
  • How to apply for financing: Fill out the WebBank/Fingerhut online application
  • Locations: Online only.
  • Shop for electronics now at Fingerhut

10. FlexShopper

11. Kmart

  • Buy now, pay later option: Kmart Leasing
  • Qualifications: 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
  • Source: Kmart Leasing page
  • How to apply for financing: Fill out the online Sears LeaseIt application or apply in-store at any Kmart location.
  • Locations: Nationwide
  • Find your nearest Kmart

12. Overstock

  • Buy now, pay later option: Progressive Leasing
  • Qualifications: 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
  • Source: Overstock leasing page
  • How to apply for financing: Agree to the Overstock terms of use and proceed to the online Progressive application.
  • Locations: Online only. Leasing not available for residents of AL, AK, CT, HI, KY, MN, NC, NJ, PA, UT, VT, WA, WI, or WY.
  • Shop electronics now at Overstock

13. Rent-A-Center

14. Sears

  • Buy now, pay later option: Sears Leasing
  • Qualifications: 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
  • Source: Sears Leasing page
  • How to apply for financing: Fill out the online Sears LeaseIt application or apply in-store at any Sears location.
  • Locations: Nationwide
  • Find your nearest Sears

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. 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.