Best Buy Financing and Buy Now Pay Later Options (2026)
Best Buy is one of the best retailers for BNPL because multiple providers work there and Best Buy’s own financing card offers long 0% promotional periods. Here is everything available in 2026.
| Option | Best For |
| Affirm | Online at BestBuy.com |
| Best Buy Credit Card (Citi) | Large purchases, 0% promo periods |
| Klarna | BestBuy.com via extension |
| Afterpay | BestBuy.com via Afterpay card |
Best BNPL at Best Buy
Affirm is the native BNPL integration at BestBuy.com. For shoppers with decent credit, the Best Buy credit card with 0% financing for 12–24 months on big-ticket items is often the cheapest option when paid in full before the promo period ends.
Apply with Affirm for Best Buy →
FAQ
Can I buy electronics at Best Buy with no credit check?
Yes. Affirm and Klarna both work at Best Buy with soft credit checks only. Rent-to-own options are also available through FlexShopper for people who need zero credit check.
Does Best Buy offer 0% financing?
Yes — via the Best Buy Credit Card (Citi), which offers 0% promotional APR for 12–24 months on qualifying purchases. This requires a credit check and approval.
Compare all electronics financing options.