: Approval is based on income and banking history rather than a traditional credit score.
: Specifically for Apple products, this plan allows for low monthly payments over 36 months with an option to upgrade to a newer iPad at the end of the term. Comparison of Payment Options Take Item Home Day 1? Interest/Fees Traditional Layaway Savings-focused buyers Best Buy Credit Card 0% (if paid in time) Buyers with good credit Progressive Leasing High (after 90 days) Buyers with no/low credit Affirm / BNPL 0% to 36% APR Short-term installment payers Current iPad Deals (April 2026)
Best Buy does offer a traditional layaway plan . While traditional layaway involves paying for an item over time and picking it up only after the final payment, Best Buy uses deferred payment and leasing models that allow you to take the iPad home immediately while paying it off over time. Best Buy Alternatives to Layaway
: You make an initial payment (often around $59) and then make weekly or bi-weekly payments.
