Whether you need a new pair of headphones or want to upgrade your mobile phone, don’t let budget be the obstacle preventing you from getting the best in tech.
Don’t worry about checking out everything in your Best Buy shopping cart because you can opt for buy now, pay later (BNPL) apps to ease the burden on your finances.
Have you been wondering what BNPL apps are accepted at Best Buy?
In this article, we discuss them all for you!
What Payment Methods are Accepted at Best Buy?
You can use these payment methods when buying from Best Buy’s website or physical stores:
- American Express
- Apple Pay
- Best Buy Business Advantage card
- Best Buy Gift Cards
- Diners Club
- My Best Buy Credit Card
- My Best Buy reward certificates
- My Best Buy Visa Card
- Pay With Points
- Progressive Leasing
If you need BNPL options, you can use these payment methods in concert with the following apps:
What Pay Later Apps Work With Best Buy?
Klarna at Best Buy
While Klarna is not directly partnered with Best Buy, you can still use the platform’s one-time card to make BNPL purchases. This virtual single-use card can be used at any online store that accepts prepaid cards in the United States.
The total purchase amount is divided into four interest-free payments due every two weeks.
The card is virtual in that it is only accessible to users as a unique card number that they can use at checkout. The card and your payment plan will then reflect and can be managed in your Klarna account.
Affirm at Best Buy
Like Klarna, Affirm also provides users a virtual card and debit card that will work at Best Buy.
The first option is the single-use virtual card that you can use at checkout. The second option is the Affirm Debit+ card accepted wherever Visa is: online and in-store. The card does not come with an annual fee, late fee, sign-up fee, or overdraft fee. Users also get 24 hours to split eligible purchases (between $100 to $1000) in the Debit+ app.
The total purchase amount is split into four interest-free installments that must be paid every two weeks or monthly.
Afterpay at Best Buy
Afterpay allows you to purchase at Best Buy stores using their mobile app. You are required to download the app and set up your Afterpay Card. Then, you can use the card with Apple Pay to make your payment at checkout.
With Afterpay, you must pay 25% of the total amount at the time of purchase and pay the rest later. The installments are split into four parts and must be paid every two weeks.
Zip at Best Buy
Like Afterpay, Zip also allows you to shop at Best Buy stores using their mobile app. The payments are split into four installments, and each installment is charged with a $1 convenience fee.
It works by accessing the in-store tab in the Zip app and entering the total purchase amount. Once you’ve entered the amount, you receive the detailed payment plan for your order. You can confirm the amount and payment method then.
Zip then generates a virtual card that users can add to their Apple Pay account and make payments directly from the virtual wallet.
PayPal at Best Buy
PayPal’s Pay in 4 is a BNPL service offered by the fintech company that allows users to purchase what they want and pay for them later. The payment plans are divided over four interest-free installments to be paid every two weeks via the app.
The feature is available for purchase amounts between $30 and $1500 and is accessible upon approval. The approval process is done through a soft credit check, so it does not reflect on the user’s credit report, and it is done in mere seconds.
You can use this feature for multiple purchases on various online stores and manage all payment schedules on the app.
The only drawback is that the service is not available to residents of Missouri, Nevada, New Mexico, North Dakota, Wisconsin, or any of the United States territories.
Does Best Buy Offer Payment Plans?
Yes. Best Buy offers three payment options that customers can use to finance their purchases. We discuss them in detail below:
My Best Buy Credit Cards
The first option is a credit card offered by Best Buy. It allows the cardholder to access financing options for purchase amounts of $299 and higher. However, users must first apply and get approved to avail the credit card.
The payment plan is flexible depending on the total purchase amount and can be anywhere between 12 to 24 months. The card also comes with many store-specific benefits and cashback rewards that customers can benefit from.
Lease to Own
This Progressive Leasing option from Best Buy allows customers to pay for items later. Instead of running a credit check, the approval for this option is based on factors such as employment and banking history. This makes it easier for those with poor credit history to purchase what they want and improve their credit bit by bit.
Unfortunately, the option is not available in Minnesota, New Jersey, Vermont, Wisconsin, and Puerto Rico.
The Bottom Line
These are all the options for buy now pay later Best Buy. We hope this guide helps you narrow down the best financing plan based on your requirements. With these options, you should have no trouble purchasing new gadgets that you can enjoy every single day. Happy shopping!