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.

If you have a registered business, the Best Buy Business Advantage account may offer a option.

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

“Affirm, klarna are the two I use the most. Affirm to stretch things out over a year and klarna to do 4 equal payments.” Reddit · r/povertyfinance

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