Many retailers offer finance options for electronics, including game consoles like the Xbox One. Having good credit can open up more options, but credit checks are not always required by merchants. “Buy now, pay later” and lease-to-own agreements don’t typically require credit checks. This way, you’ll be able to get an Xbox One and pay monthly. However, the fees to finance an Xbox One can be steep, so a better option would be to save up for the item and then purchase it. Below, we have the list of places to finance an Xbox One.

How to Finance an Xbox One Without a Credit Check

Financing for video game consoles can be arranged through individual retailers. No credit check finance options include “buy now, pay later” and lease-to-own programs — which are offered by many brick-and-mortar stores, online retailers, and catalogs. Keep in mind, you’ll pay much more than the retail price of an Xbox One with any finance program. (A 1TB Xbox One X retails for $499.)

“Buy now, pay later” is an option that lets you take an item home without paying the full price upfront. Once you’re approved, this type of financing works like a loan or line of credit. You must make at least the minimum payment each month and the total cost of the item will include interest.

With lease-to-own programs, you’ll sign a lease agreement for the product. You can take the item home while you pay monthly installments. Since lease-to-own agreements aren’t loans, they don’t accrue interest — but there are leasing fees. Once you’ve paid off the full price of the item plus leasing fees, you’ll own the product.

Where to Get an Xbox One: Pay Monthly, No Credit Check Required

The following eight companies offer “buy now, pay later” or lease-to-own programs for Xbox One gaming consoles. You’ll pay monthly, and no credit check is needed. Since there are various types of Xbox Ones, we’ve also specified which one the retailer had available as of press time.

Aaron’s

  • Type of financing: Lease-to-own
  • Terms of lease: Aaron’s offers 12-, 18-, and 24-month lease agreements on electronics. Some stores offer 90-day and 120-day “same as cash” early payout options. Delivery, setup, service, and repair are included during the leasing period. A natural disaster waiver is also included, protecting your rental in case of flood or fire damage during the lease period. You can cancel your lease at any time.
  • Monthly payment + total cost estimate: About $100 per month for 18 months for a 1TB Xbox One X (as of press time); $1,800 total cost of ownership
  • Application requirements: Verifiable income, proof of residence, and three personal references
  • Credit check required? No; Aaron’s may check your credit score during the application process, but no minimum score is required for approval.
  • Source: Aaron’s: What is Rent to Own?
  • Find your console: Xbox One at Aaron’s

Electro Finance

  • Type of financing: Lease-to-own
  • Terms of lease: Electro Finance offers 12-month leases. Early payoff options are available, including a 90-day payment option. An initial payment of about $50 is due upon signing. You’ll make regular payments on a weekly, bi-weekly, semi-monthly, or monthly schedule. Leasing is not available in New Jersey, Minnesota, Vermont, or Wisconsin.
  • Monthly payment + total cost estimate: $131 per month for 12 months for a 1TB Xbox One X; about $1,600 total cost of ownership
  • Application requirements: Social Security number or Taxpayer ID, photo ID, an active checking account, a debit or credit card, and a minimum monthly income of $1,000
  • Credit check required? No; Electro Finance’s policy states that credit information and consumer reports may be reviewed during the application process, but no minimum score is required for approval.
  • Source: Electro Finance: How It Works
  • Find your console: Xbox One at Electro Finance

FlexShopper

  • Type of financing: Lease-to-own
  • Terms of lease: FlexShopper offers 52-week leases and a 90-day “same as cash” early payout option. During an initial lease period, which can be anywhere from seven to 29 days, you cannot return an item unless it is defective. After the initial lease period, you can return items in good condition to end your lease. Weekly, bi-weekly, and monthly payment options are available. Leases are not available in New Jersey, Minnesota, Wisconsin, or Wyoming.
  • Monthly payment + total cost estimate: About $100 per month ($24 per week) for 12 months for a 1TB Xbox One X; $1,250 total cost of ownership
  • Application requirements: Verifiable income, proof of residence, and a bank account that has been active for at least 90 days
  • Credit check required? Yes, but those with bad credit are encouraged to apply.
  • Source: FlexShopper: How It Works
  • Find your console: Xbox One at FlexShopper

Want to see a list of sites very, very similar to FlexShopper? See this article.

LutherSales

  • Type of financing: Buy Now, Pay Later
  • Terms of financing: LutherSales’ “buy now, pay later” option has three different payment plans to choose from. Extended plans range from six to 36 months. APRs range from 17 percent to 23 percent. You can also pay in full within six months or pay in full before delivery. Discounts are available for shorter-term payment plans. Early payoff is allowed on all payment plans with no penalties. A deposit, which varies based on the size of your order, is required at signing, but there are no setup, membership, or delivery fees. You must pay your balance down by 40 percent before placing additional orders.
  • Monthly payment + total cost estimate: Varies by state; about $100 per month for 12 months for a 1TB Xbox One X Starter Bundle; $1,250 total cost of ownership
  • Application requirements: Verifiable income (two to three years of full-time service with your current employer is preferred)
  • Credit check required? No
  • Source: LutherSales Buy Now, Pay Later Video Games Financing
  • Find your console: Xbox One at LutherSales

Overstock Leasing

  • Type of financing: Lease-to-own
  • Terms of lease: Overstock offers 12-month leases with weekly, bi-weekly, or monthly payment schedules. You can purchase the item at any time during your lease by paying off the remaining amount. If you decide you don’t want to buy the item, you can cancel the lease at any time and return the item. An initial payment of about $50 is required upon signing. Overstock Leasing is not available in Alaska, Hawaii, Minnesota, New Jersey, Vermont, Wisconsin, or Wyoming.
  • Monthly payment + total cost estimate: Varies by available stock and payment plan
  • Application requirements: Verifiable monthly income, Social Security number or Taxpayer ID, a credit or debit card, and an active checking account
  • Credit check required? No
  • Source: Overstock Leasing
  • Find your console: Xbox One at Overstock

Rent-A-Center

  • Type of financing: Lease-to-own
  • Terms of lease: Rent-A-Center does not require long-term contracts in its lease-to-own program. A six-month “same as cash” deal is offered. Weekly, semi-monthly, and monthly payment schedules are available. You can pay off your balance at any time with no penalty. Rent-A-Center also provides Payment Freeze Assurance for all leases, which means you can stop payments and return your item at any time. Delivery, setup, service, repairs, and upgrades are included during the lease term.
  • Monthly payment + total cost estimate: May vary by location, but about $90 per month for 17 months for a 1TB Xbox One X; $1,450 total cost of ownership
  • Application requirements: Proof of residence, verifiable employment, and four personal references
  • Credit check required? No
  • Source: Rent-A-Center No Credit Needed Policy
  • Find your console: Xbox One at Rent-A-Center

Snap Finance

  • Type of financing: Lease-to-own
  • Terms of lease: Snap Finance offers up to $3,000 with no interest at any of its approved merchant partners. Snap’s leases are 12-month agreements with a no-penalty, 100-day payoff option. You’ll pay a processing fee of about $60 upon signing, but there is no fee to apply. Only one lease is allowed at a time. Since Snap Finance partners with a variety of retailers, return policies vary by merchant.
  • Monthly payment + total cost estimate: Varies by merchant
  • Application requirements: Active checking account, two references from relatives who do not live with you, and a verifiable source of income
  • Credit check required? No
  • Source: Snap Finance: How It Works and Snap Finance Frequently Asked Questions
  • Find your console: Snap Finance Merchant Locator

Zebit

  • Type of financing: Credit line
  • Terms of financing: Zebit offers credit up to $2,500 with no interest or membership fees. The exact amount offered varies based on eligibility. With Zebit purchases, you pay a percentage of the price at checkout. After the initial payment, you pay the item off over six months. Any items purchased with Zebit must be purchased through the Zebit Market.
  • Monthly payment + total cost estimate: $40 per month for 11 months for a 1TB Xbox One X, after an initial payment of about $200; $650 total cost of ownership
  • Application requirements: Verifiable employment with a sponsor organization or be retired or disabled with benefits
  • Credit check required? No
  • Source: How Zebit Works
  • Find your console: Xbox One X at Zebit

In Summary

Xbox One pay monthly, no credit check options exist. A wide range of merchants and lenders can help you finance an Xbox One with a monthly payment and no credit check. Flexible payment plans are available through “buy now, pay later” or lease-to-own programs. Terms and conditions vary, but, in general, you’ll pay much more than the retail price for the gaming console. If you’re able to save up for the product instead, you’ll pay less overall.

For more information about financing electronics with no credit required, see our articles: Buy Now Pay Later Electronics Stores, Places That Offer No Credit Check Cell Phone Financing, and Drone Financing: No Credit Check Options.

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