: Offers terms from 1 to 48 months for purchases up to $17,500. Rates vary from 0% to 36% APR.

Reviewers often warn that while these programs provide access to tech, they can be a "trap" if not managed strictly.

: This is the only way to avoid extreme costs. If you pay the full balance within 90 days, you only pay the retail price plus a small lease fee.

This is the primary "no credit needed" option integrated directly into Best Buy's checkout. It is a lease-to-own program, not a loan.

: You choose your items, apply, and if approved, Progressive Leasing buys the items and leases them to you.

: An active checking account, a valid Social Security Number or ITIN, and a credit or debit card.