"I am interested in purchasing [Item Name, e.g., a MacBook Air] using the option. I understand this is a lease-to-own program that does not require a traditional credit history for approval. Could you please confirm if this item is eligible for the 90-day purchase option and what my initial payment would be today?" Best Buy "No Credit Needed" Options Progressive Leasing (Lease-to-Own)
: You must be 18+, have a valid SSN or ITIN, an active checking account, and a credit/debit card.
Best Buy does not offer a "no credit check" credit card, as their standard Best Buy Credit Card typically requires good to excellent credit (700+). However, you can access "no credit needed" financing through their Progressive Leasing program or third-party Buy Now, Pay Later (BNPL) apps.
