: This is the most cost-effective path. If you pay the full cash price plus the lease cost within 90 days, you own the item . In California, this is a 3-month option .
: You apply online or in-store and receive an instant decision . If approved, you make an initial payment (typically around $59 to $79) at checkout .
Best Buy offers financing primarily through Progressive Leasing , a lease-to-own program designed for shoppers with limited or poor credit . While it avoids traditional hard credit checks, it is significantly more expensive than standard financing if not paid off quickly . Progressive Leasing at Best Buy
: If you take the full 12 months to pay, the total cost can be more than double the original retail price .
: You must be 18+ (19 in AL), have a valid SSN or ITIN, an active checking account, and a credit/debit card .
