Buy now pay later apps for Best Buy varies with all enabling you to spread payments on electronics on the website and at its physical stores.
If you want to buy electronics and pay later, there is no doubt that Best Buy is one of the best destinations to get almost the items you need.
Interestingly, you can also spread your purchase payments at its thousands of retail outlets, making it one of the top places to enjoy buy now pay later in-store.
Buy Now Pay Later Apps for Best Buy
Here is a list of buy now pay later apps you can use to shop at Best Buy:
PayPal
Usage
Direct
Max. Value
$1,500
Tip: PayPal is one of the direct-to-use buy now pay later for Best Buy that you can utilize to enjoy spread payments when shopping on the website. Interestingly, it is also usable at its physical outlets.
Best Buy is one of the online stores that accept PayPal Pay Later, enabling you to enjoy payment plan purchases through the Pay-in-4 and PayPal Credit options.
Selecting this at checkout will enable you to purchase electronics starting from a minimum of $30 up to its maximum of $1,500 when using the Pay-in-4 option.
There is also a long-term financing option that you can use for high-ticket purchases called PayPal Credit.
This is more of a line of credit that grants you a starting value of $250 which can be spent on any products or cart worth at least $99.
The PayPal Credit comes with interest-free financing for up to six months if repaid in full within this period.
It comes with an APR of 29.24% after the zero-interest period and you can spread payments up to 48 months depending on the cart value.
How to Use PayPal Credit on Best Buy
- Add the items you want to your cart and proceed to checkout
- On the payment gateway page, simply select PayPal
- Log in to your PayPal account and select any of the pay later options
- Authorize it to complete the transaction
Citi Flex Pay
Usage
Direct
Max. Value
Varies
Tip: The Best Buy credit card comes with buy now pay later powered through Citi Flex Pay.
While Citi Flex Pay is one of the buy now pay later for Best Buy, this only works with its store credit card which you can apply for at checkout.
If this is your first time learning about Flex Pay, it is mostly a post-credit card usage buy now pay later but can be used in real-time through Amazon Pay hence, one of the top methods to pay monthly on Amazon.
The minimum limit when using this credit card option varies with transactions and cart value of $299 able to be deferred for up to 12 months, $499 for up to 18 months while for 24 months, your cart must be up to $699.
It comes with variable APR which can be as high as 24.49% or more but you will enjoy rewards when used like 3% cashback for gas purchases making it a good option to enjoy buy now pay later for bills.
How to Use Citi Flex Pay on Best Buy
- Add the items you want to your cart and proceed to checkout
- On the payment gateway page, simply select the credit card option
- You will be asked for some details through the Citi Bank portal and based on the creditworthiness determined, a credit line will be assigned that you can use to checkout
Zip
Usage
Direct
Max. Value
$1,000
Tip: Zip is another buy now pay later for Best Buy shopping that is available to use directly on the payment page.
When you are shopping on the Best Buy website, you also have an option to spread the costs of your purchases through Zip at checkout.
This payment option has a limit of $1,000 when you use its six-week installment financing plan but you can also enjoy the Zip Money which can give up to $5,000 to spend on eligible products.
There is something amazing about using Zip Money financing, it comes interest-free for at least three months and you might even be fortunate to enjoy this for up to five months.
Zip is a good buy now pay later for Best Buy financing and with a required minimum of $35, you should be able to use this among other options.
How to Use Zip on Best Buy
- Add the items you want to your cart and proceed to checkout
- On the payment gateway page, simply select Zip
- Log in to your Zip account and authorize the transaction to complete the order
Progressive
Usage
Direct
Max. Value
$3,500
Tip: Progressive provides a lease-to-own option unlike the other buy now pay later for Best Buy. This should only be an alternative if none of the above worked for you as it could be very expensive.
Progressive is one of the popular providers of lease-to-own electronics financing and with its direct integration with Best Buy, you can select it at checkout for financing.
If approved, you can be eligible to buy products or checkout with a cart value of up to $3,500 to be repaid over 12 months.
Because of the nature of its service, the price of the product will increase which can be as much as twice or three times the actual cost.
However, you can utilize the early purchase option it offers which can reduce the final cost but you will need to pay the item off within the first 90 days to save on the huge rental costs.
How to Use Progressive on Best Buy
Follow the steps below to use Progressive Leasing at Best Buy:
- Add the items you want to your cart and proceed to checkout
- On the payment gateway page, simply select Progressive
- Sign up and provide credit inquiry details
- Once your eligibility is determined, you will be notified and your order will be placed
Klarna
Usage
Alternate
Max. Value
Varies
Tip: You can use Klarna on Best Buy by generating a virtual card on your app or by simply installing the browser extension which can be activated when on the Best Buy website.
While several online stores accept Klarna, you can utilize it on Best Buy through alternate methods which are very convenient to use.
The first of those is through its buy now pay later virtual card that you can generate when logged into the Klarna app.
When using the virtual card option, take note of the total cart value, including any other fee as the card is prepaid which must have enough funds to cover the worth of your cart.
The other method is to install the browser extension; this is like a plugin that runs on your Chrome browser and will activate once you are at the Best Buy checkout page.
Klarna also has an in-app feature that supports buy now pay later for Best Buy. Shop through the app and search the stores for Best Buy and you will be able to finance electronics via the app.
How to Use Klarna on Best Buy
To use Klarna on Best Buy, use any of the below options:
- Generate a virtual card and use it for payment on the website
- Install the Klarna Chrome extension and activate it when you are on the Best Buy website
- Shop in-app through the Klarna marketplace and search for Best Buy
Affirm
Usage
Alternate
Max. Value
$20,000
Tip: You can use Affirm on Best Buy by simply generating a virtual card for payment or shopping through its app. It also provides a browser extension you can use for shopping.
Affirm works very similar to Klarna when it comes to using it to buy now and pay later on the Best Buy website.
You have three options with the in-app functionality being one of them. You simply need to search for Best Buy when you are on the Affirm stores page to start shopping.
If you prefer shopping through your web browser, you can also install the extension it provides available for Chrome that supports financing when you are on the Best Buy website.
If none of the above looks good to you, you may want to try the virtual card option as Affirm also supports the generation of a single-use card you can utilize to make payments for your purchases on the Best Buy website.
How to Use Affirm on Best Buy
To use Affirm on Best Buy, you can use any of the three methods below:
- Shop through the Affirm app and search for Best Buy
- Install its browser extension and use it for financing when you are on the website
- Simply generate a single-use card and use it to complete your payments on the Best Buy portal
Sezzle
Usage
Alternate
Max. Value
$1,500
Tip: Using Sezzle on Best Buy is through its Anywhere Card or you shop through the mobile application.
Sezzle is one of the popular buy now pay later for bad credit repair which also supports financing for Best Buy purchases through alternate methods.
It also provides a virtual card called the Anywhere Card which you can use to make payments shopping on the Best Buy website.
Unlike others provided by most of the buy now pay later for Best Buy, its card is reusable hence, good for in-store shopping as well.
The platform also provides in-app shopping and you can search for Best Buy when you are logged into the Sezzle app for financing.
How to Use Sezzle on Best Buy
To utilize Sezzle for buy now pay later on the Best Buy website, use the options below:
- You can apply for the Sezzle Anywhere Card which can be used for payment online and in-store
- Browse through the Sezzle app and check for Best Buy that you can also directly purchase from within the mobile app
Zilch
Usage
Alternate
Max. Value
$1,000
Tip: Zilch is another buy now pay later for Best Buy that is entirely virtual card-based. It provides a multi-use Mastercard that can be used to spread payments.
If you want to spread the costs for your Best Buy purchases on its website and when you visit any of its retail locations, Zilch is one of the top options.
Its operation is entirely based on its buy now pay later virtual powered by Mastercard which you can use to defer payments for up to six weeks.
The card is reusable hence, you do not need to be bothered with calculating your cart value before using it as may apply to the prepaid types offered by the other buy now pay later for Best Buy.
To enhance the security that comes with the card, you must first enable it for use as once it is idle, it goes into a lock state for security reasons.
How to Use Zilch on Best Buy
- Log into the Zilch app and create an account to generate your card
- Copy the card details and use it on the Best Buy payment page
Afterpay
Usage
Alternate
Max. Value
$1,500
Tip: To use Afterpay on Best Buy, you can either shop through its app or use its Plus Card. There are also Best Buy gift cards you can purchase on the app.
Afterpay does not need an introduction when it comes to buy now pay later options with a presence on many retail platforms.
It is one of the few places that you can access buy now pay later gift cards, an option very rare among the other providers.
There are primarily two methods to use Afterpay on Best Buy with the first being getting any of the gift card denominations when you are logged in on Afterpay.
There is also the Plus Card which is a reusable virtual card you can use to make payments when shopping on the Best Buy website.
How to Use Afterpay on Best Buy
There are two ways to use Afterpay for financing at Best Buy:
- First, you can purchase the Best Buy gift card when you are logged into the Afterpay app
- Secondly, simply upgrade your account to Afterpay Plus and you will be able to access the Plus Card which you can use for payment splitting both online and offline at Best Buy
Plan It
Usage
Alternate
Max. Value
Varies
Tip: Plan It is a post-use buy now pay later for Best Buy purchases and only accessible if you own an eligible American Express credit card.
Amex Plan It is one of the popular buy now pay later bundled as part of the benefits that come with American Express credit cards.
It works on a post-transaction model before you can utilize it to spread the payments for eligible Best Buy purchases of $100 and above.
What that means is that you must have used your card to pay for your purchases and later, those can be converted into buy now pay later orders.
You must be an American Express cardholder with an eligible card before you can use this buy now pay later for Best Buy payments.
How to Use Plan It on Best Buy
- Log into your Amex app or the website
- Select any eligible purchase paid for on Best Buy
- Click on the Plan It option to add to your list
- This will be converted and your American Express credit line will be adjusted accordingly
My Chase Plan
Usage
Alternate
Max. Value
Varies
Tip: My Chase Plan is also a post-purchase splitting buy now pay later for Best Buy that applies to expenses of $100 or more paid with Chase Bank credit cards.
My Chase Plan enables payment splitting for Best Buy purchases starting from a minimum of $100 and it is only for eligible Chase Bank cards.
With the post-splitting feature, you first need to settle your cart with the credit card at Best Buy (both online and offline) before you can utilize this.
It works very similar to the other buy now pay later for Best Buy that are credit card-based with a minimum purchase amount of $100 required.
How to Use My Chase Plan on Best Buy
- Log into your Chase Bank app or the website
- Select any eligible payments made on the Best Buy website
- Click on the My Chase Plan option to add to your list
- This will be converted and your Chase Bank credit line will be adjusted to reflect your actions
You almost cannot talk about consumer electronics retailing without mentioning Best Buy, thanks to its vast collection and amazing reach both online and through its network of physical outlets.
Being able to spread the costs for your purchases at this shopping giant brings convenience and with the many buy now pay later for Best Buy, you should be able to get what you need without worrying about the upfront costs.
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