Available on storewide purchases of $299 and up .
For customers who may not qualify for a credit card or prefer not to use one, Best Buy partners with . How Does Best Buy Financing Work?
Often offered for major appliance and grill purchases of $599 and up .
Best Buy offers several payment plans, primarily through their , lease-to-own programs , and buy now, pay later (BNPL) partners . As of April 2026, these options cater to different credit backgrounds and purchase sizes. 1. My Best Buy® Credit Card Financing
The most common way to pay over time is with a My Best Buy® Credit Card, issued by Citibank. These cards often feature "deferred interest" promotional periods.
Most of these are deferred interest plans . If you do not pay the entire balance in full by the end of the promotional period, interest is charged retroactively from the original purchase date at the regular APR (currently approximately 30.74%). 2. Lease-to-Own with Progressive Leasing
Some offers provide a fixed monthly payment at a reduced APR (e.g., 7.99%) instead of deferred interest.
