Can You Finance Laptops At Best Buy

Can You Finance Laptops at Best Buy?


Best Buy, a leading electronics retailer, offers a range of financing options to make purchasing laptops more manageable. This guide will provide you with a comprehensive overview of Best Buy’s laptop financing options, including eligibility requirements, different financing plans, and tips for getting approved.

Eligibility Requirements

  • Must be 18 years of age or older
  • Have a valid government-issued ID
  • Provide proof of income
  • Have a good credit score (typically 640 or higher)

Financing Options

My Best Buy Credit Card

  • Special financing offers, such as 0% APR for a limited time
  • Earn rewards points on purchases
  • Manage your account online or through the mobile app

Citizen One Personal Loans

  • Loans from $1,000 to $25,000
  • Fixed APRs ranging from 7.99% to 29.99%
  • Repayment terms from 12 to 60 months

Lease-to-Own (LTO)

  • No credit check required
  • Make monthly payments for a set period
  • Own the laptop at the end of the lease term

Tips for Getting Approved

  • Check your credit score before applying.
  • Pay down any outstanding debts.
  • Increase your income through a side hustle or part-time job.
  • Apply with a co-signer who has good credit.
  • Be prepared to provide documentation of your income and identity.


Financing a laptop at Best Buy can be a convenient way to make your purchase more manageable. By understanding the eligibility requirements, financing options, and tips for getting approved, you can make an informed decision that meets your financial needs. Remember to consider the total cost of financing, including interest charges and fees, before committing to a loan or lease agreement.

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