Best Buy Financing Bad Credit May 2026

: Applying triggers a "hard inquiry," which may temporarily lower your score. However, consistent on-time payments can help rebuild your credit history over time. Lease-to-Own Alternative (Progressive Leasing)

: You can often choose to purchase the item early at a discount or return it if you can no longer make payments. Review Summary My Best Buy® Store Card Progressive Leasing Credit Needed Fair to Good (640+) No Credit Score Required Interest/Fees 0% if paid in full (Promotional) High total cost of ownership Approval Odds Lower for "Bad Credit" Higher for "Bad Credit" Credit Building Reports to bureaus Generally does not report best buy financing bad credit

Best Buy financing options for those with less-than-ideal credit typically fall into two categories: the standard store credit cards and alternative lease-to-own programs. If your credit score is below , you may find it difficult to qualify for their traditional credit cards. Best Buy Store Credit Cards : Applying triggers a "hard inquiry," which may

The My Best Buy® Credit Cards are managed by Citibank and generally require (typically a score of 640+ ) for approval. Review Summary My Best Buy® Store Card Progressive

: They do not strictly rely on credit scores for approval, making it an option for those with bad or no credit.

For customers who cannot qualify for a credit card, Best Buy partners with Progressive Leasing. This is not "financing" in the traditional sense, but a lease agreement.