Buy Now Pay Monthly Laptops: Deals + NO CREDIT CHECK

Buy now, pay monthly laptops with no credit check are becoming more common because laptops are indispensable.

Whether you are a student, businessman, or freelancer, a good laptop will be among your most prized possessions. 

Basic laptops are more affordable but the more high-end you go, the pricier they become.

What if you need a more expensive laptop but don’t have the money to buy one outright?

The obvious choice would be to finance one. But if you have a less than desirable credit score, you may find that some companies may not permit you to finance a laptop.

Luckily, there are options where you can finance a laptop without a credit check, so even if you do have a bad credit score, you’ll still be able to get a decent laptop.

Stores That Offer Buy Now Pay Monthly Laptops – No Credit Check

RTB Shopper

RTB shopper offers rent-to-own laptops from well-known brands like Apple, Samsung, Dell, HP, and ASUS.

Whether you want to own a gaming laptop, an Apple MacBook Pro, or a regular laptop for everyday use, you’ll find great leasing options for the products you like. 

Application Process

• Choose your desired laptop and add it to your cart
• Check out
• Fill out the application form
• Get approved and make the $50 initial payment 
• Select a payment plan that suits you best
• Sign your lease agreement, and have the product shipped for free
• Products are often delivered the same day across the U.S.

Requirements

• Valid Social Security Number or ITIN
• Valid bank account and a credit or debit card
• A government-issued ID – driver’s license, State ID, or passport
• Must be 18 years or older

Pros

• No credit check
• Early purchase option
• Same-day pickup option
• Free delivery 

ElectroFinance

ElectroFinance is a major online store that has an extensive collection of electronics, including laptops, and offers lease-to-own options for all major laptop brands.

You get to choose the monthly payment plan that suits you, making this an affordable option for most.

While there is no credit requirement, not all applicants get approved. Requirements for approval are presented in the leasing agreement. 

Application Process

• Check if you are eligible right from the website
• Approval is instant
• Add your desired product to your cart and checkout
• The payments are set to match your monthly income and pay dates

Requirements

• Valid mobile number for verification
• Valid Social Security Number (SSN) 
• Driver’s License
• Active Checking account

Pros

• Same-day pickup
• Free delivery
• No credit needed

Xotic PC

Xotic PC specifically provides gaming laptops in easy monthly installments. Choose any payment plan from options of 3 to 36 months.

Enjoy the flexibility to pay at your convenience at competitive interest rates. 

You get 3 payment options:

• QuadPay: Split payment in 4 easy installments
• PayTomorrow: Checkout for as low as $40 with no hidden fees and up to 36 months of payment plans
• Bread: Minimum monthly payments with rates ranging from 0%-29.99% APR

Application Process  

• Surf the page and add your favorite laptop to the cart
• Proceed to checkout
• Choose your payment option
• Get approved.
• Receive your laptop

Pros

• Instant decision on approval when you apply
• No credit check
• No payment penalties
• Prepay anytime
• Affordable monthly installments

Instant Finance 24

Shopping from Instant Finance 24 is pretty simple: you choose from a large variety of options and pick up the same day from a pre-selected Best Buy store.

There’s absolutely no need to be worried about your credit history.

Application Process

• Browse and select your laptop
• Fill out the application form as you checkout
• Get approved and pay the $50 administrative fee
• Monthly payments will be set to match your paydays

Requirements

• Social Security Number (SSN) or ITIN
• Valid credit or debit card
• A valid government-issued photo ID
• Must be 18 years or older at the time of purchase

Pros

• Same-day pickup is available for most products
• Good customer service

LutherSales

Operating since 1967, LutherSales stocks brand-name, quality products and approves credit customers based on work history.

Application Process

• Sign into LutherSales
• Choose a product and add it to your cart
• Select the buy now pay later option
• Fill out the application form and get approved
• Get your laptop delivered
• Start the monthly payments

Pros

• Free Delivery 
• No credit card required
• Get up to 36 months to pay

Online Stores That Require a “Fair” Credit Score

If you don’t have an exceptional credit history, but want to buy from more established chains, these stores offer credit purchases on a fair credit score.

Best Buy

Best Buy is one of the most reputed stores when it comes to purchasing products online. It provides a 12-month leasing option on purchases over $299 with a Best Buy credit card.

Application Process 

• Login or create a Best Buy account
• Fill out the leasing application form and get approved
• Select your favorite laptop and add it to the cart
• Apply lease during checkout

Requirements

• Bank account routing number
• Account info for an active checking account
• Must be 18 years or older
• Social Security Number (SSI) or ITIN
• Credit or debit card
• Employment and banking history
• Best Buy store card credit score requirement: 640+
• Best Buy Gold Visa card credit score requirement: 640+
• Best Buy card credit score requirement: 700+

Pros

• Early Buyout: Significantly cut down on remaining lease amount
• 90-day purchase option 
• Store pickup and delivery

Amazon

Amazon allows you to pay for the Laptops over a period of 12 months. There’s a huge range of brands to choose from like Toshiba, HP,  Dell, Samsung, and more.

It’s easy to pay for these laptops when the cost is spread out over the year. 

Application Process

• Choose your product and add it to the cart
• Checkout with Amazon.com Store Card

Requirements 

• Active Amazon account of 1 year or longer
• Credit or debit card
• Credit score requirement of 640+ for the Amazon Store Card

Walmart

Walmart has a large inventory of laptops to choose from. You can get buy now pay monthly laptops at Walmart when you choose to pay with Affirm.

Affirm offers financing and payment options anywhere between 3 to 24 months.

Application Process

• Add products to the cart
• Checkout with Affirm
• Get approved
• Choose your monthly plan
• Have your product delivered

Pros

• No prepayment fees
• No late fees
• No hidden fees
• No fees to open or close your Affirm account
• Credit score requirement: 640+

Lenovo

Lenovo is a renowned electronics company that offers great laptops. Lenovo provides Laptop financing options to its customers. 

Application Process

• Add your favorite Lenovo laptop to the cart
• Choose the Lenovo Financing option at checkout
• Apply and get approved for financing
• Complete your order with the new account

Requirements 

• Must be 18 years or older
• Must be a US resident with a valid US address
• Social Security Number (SSN)
• Email address

Pros

• No annual fee with the Lenovo Financing credit card.
• No interest if full payment is made within 6 or 12 months.

Apple 

Apple’s products are known for their quality and experience. Apple provides its products including the MacBook in easy monthly installments through Apple Financing.

Apple Financing installments are paid over a period of 12 months.

Application Process

• Choose your MacBook
• At checkout, select Apple Card Monthly Installments as your payment option
• Your installment will appear on your Apple Card statement on your iPhone

Pros

• Low monthly payments
• Interest-free
• No hidden fees
• 3% Daily Cashback

Requirements

• Credit score requirement of 640+ for Apple Card and 600+ in some cases

Note: The prices listed on the websites are only an estimate, you’ll get a final price once you fill out the lease agreement.

Why Should I Finance My Laptop?

Even if you don’t have a bad credit score, financing a laptop (or any other electronics) and then paying more than the minimum amount on time will help you improve your credit score.

If you’re just looking to bump up your credit score, financing something affordable and making payments on time is a good option.