Best Buy Now Pay Later for Electronics (2026)

Electronics are one of the top categories for BNPL financing. TVs, laptops, smartphones, and gaming consoles all have strong BNPL support from major retailers. Here’s where to find the best deals and highest approval odds.

Best Buy + Affirm: Top Choice for Electronics

Best Buy has one of the most robust BNPL programs in retail electronics. Affirm financing is available at checkout with 0% APR promotional plans for 6, 12, 18, or 24 months on qualifying purchases. A $1,200 laptop becomes $50/month over 24 months at 0% interest — that’s a genuinely good deal.

Browse Best Buy Affirm Deals →

Apple Financing

Apple offers its own installment plans for iPhones, Macs, and iPads. The Apple Card Monthly Installments program (via Goldman Sachs) offers 0% APR on Apple products purchased with the Apple Card. Affirm is also available at apple.com. Both require at least a soft credit pull.

Rent-to-Own Electronics: No Credit Check Option

For shoppers who can’t qualify for BNPL, rent-to-own stores like Aaron’s and Rent-A-Center offer the same electronics (TVs, laptops, gaming consoles) with no credit check. Total cost is higher but you get the item immediately and can return it anytime.

Browse Aaron’s Electronics →

Tips for BNPL Electronics Purchases

• Look for 0% APR promotional periods — always the best deal
• Avoid deferred interest plans (if you miss the payoff deadline, all interest charges apply retroactively)
• Compare the BNPL total to store financing — sometimes the retailer card beats BNPL