Edit: I understand the difference between deferred interest and 0% interest.

Purchased a new Nikon Z8 at Best Buy on sale over the weekend, selected the 12mo 0% BB financing and the nice sales associate told me that if I called customer service after it cleared and asked for 24mo, I could get it extended. Called this morning and had no issues quickly getting it. Just wanted to point this out for anyone who might be thinking about a big purchase, or who has made one recently.

I plan on buying an iPhone, apple watch, maybe airpods (and some other tech things) over the next year. Best buy carries all the apple products and has financing available so I am leaning towards it. I can also buy other things at best buy. I will be moving to a new apartment. I'm not really looking for the cash back or rewards as I'd rather have the financing.

I do have 2 cards already that has rewards: capital one savor (3k limit) and chase freedom unlimited (1k limit). I don't plan on opening any cards after this for a while. So should I get the best buy credit (not store card) or are there better options available? Should I consider the apple card?

What are my chances of getting approved for Best Buy 24 month financing with 550 credit score? They’re having a promo for 24m. Zero interest on cameras and I’m wondering if I can get it. Anyone with similar credit score getting something like that?

Not sure if that matters but low credit score is due to high balances, no late or missed payments ever

Does anyone know the schedule for the financing terms and how often they change? I'm waiting for the 24 months storewide to come back around before making a big purchase, notably a MacBook Pro. I missed out on the Upgrade+ program before it ended and that had a 36 month option for 0% that I was already approved for.

I notice prior to going to checkout, it says 24 month financing is available (have best buy cc).

However, there is no field to select financing instead of payment upfront. Am I missing something? I've tried the app, a few different browsers, but nothing.

Second question: If I finance a device, does it take the full amount off, or just an installment each month?

EDIT:

Interesting. I just noticed something.

I have a device I am trading in. When I put that in, the option does not show up (it does if I remove it). However, if I were to keep the trade in for the phone, but also add another valued item in cart, the option to finance shows up. It stays there when I remove said secondary item. Weird.

Question: Would it be best I just go in-store and do a trade in? If I trade-in store, can I still select to finance the remainder of the phone price?

Quick question for you guys, does Best Buy always offer 0% interest financing with a credit card for major appliances and home theater related purchases for 24 months?

I'm asking because we plan to purchase a new home soon and would like to finance some of the appliance and tech purchases but given the total cost, we'd want at least a 24 month term.

Is this always available at Best Buy? Do they ever offer terms higher than 24 months?

Edit: Thank you for all of the input, you have all been very helpful. Based on the information I've gathered, 24 months is practically a guarantee as long as I bundle an item in from a 24 month 0% interest category in the same purchase as other items.

Also, from some of the feedback here...it looks like 36 month 0% financing may also be available if the purchase totals around $10k (which in my case will). However, this appears to be based somewhat on luck and whether a manager is willing to call Citibank and have them approve this special financing term.

I am in need of a new laptop and have been wanting to buy a MacBook Air for years now, and I finally have the income to afford it. If I apply for a Best Buy credit card to finance the device ($100ish a month for 18 months with no interest if paid timely) and then cancel after paying the device off, will that affect my credit score? It is way cheaper than doing the same process through Apple. I have had a discover card for a little while now and have never missed a payment. I need a new device and want to make a conscious decision while I can afford it. Any insight is appreciated.

So what exactly is the fine print on financing electronics at Best Buy through Citi? From what I can tell, you are screwed if you don’t pay it off completely by the end of the agreement (12mnths). Is it just a credit card and I get approved for a certain limit on that card with 0 interest for 12 months? What happens after I pay it off? Do I just keep this card? What can I use it for? Do I just close it? Would it have any negative effect on my credit? Why would a person want to pay upfront rather than finance? How does Best Buy/ Citi profit from 0% interest? Any insight helps, thanks.

I want to buy a computer from best buy as it looks like the best bang for your buck, and the financing caught my interest, but then I saw the admin fees, and I don’t know if that’s 70 a month or along with the first month, making the first month 160? I’m really interested and would like a response

I received an email from Bestbuy about a week ago. It mentions 24 month financing for cardmember appreciation month. Has anyone else heard of this? I went into Bestbuy today wanting to buy a MacBook Pro, but a few different sales people insisted that I could only get 12 months no interest financing. Nowhere in this email does it say anything about a specific department. It says "storewide purchase of $999 or more with your Bestbuy credit card" and it ends on April 28th.

Thanks.

Okay so I'm starting to freak out because I decided to finance a TV for Black Friday and I chose the financing option, but my current balance due is the full price.

How does the financing work? Will my statement be the financing payment?

Providing the information here so anyone else who are interested will benefit from it as well. Apple and BestBuy only used to offer 12 month 0% APR Financing for MacBooks. But since M4 Release, BestBuy provide 24 Month Financing. So I made the pre-order yesterday via bestBuy and was able to make a price match for the Apple Education Store pricing just now. If an agent says they can't do it or can't be done for Pre-Orders, try again later and you'll get through.

Hi, I was planning to buy a tablet, and I saw this thing called best buy financing, where it says that you can pay portions per month instead of paying in full. Is that what it means? Does anyone know exactly what is best buy financing? Thanks in advance!

I’m a student looking to get a MacBook and currently I only have the money to finance one, I already have 5 credit cards and a score of 740 (I don’t know if that is relevant) but there is a MacBook on sale at Best Buy and I was looking to finance it but the only way is to get the BB card and I don’t plan on financing any other devices from them in the future.

I'm gearing up to buy my first macbook and i'm curious if any of you have any insight about special financing?

2 years ago mom moved to a place that required us to buy appliances. We found a deal through best buy and the total was around $2,400. Since my mom doesn't know the language well she asked a person with her native language that worked there to attend to her. When she asked about the payment options he told her she would only have to pay a fixed amount for 5 years and then the interest would start pilling up each month. Today she got a bill of $4,600!!! ($2,200 extra) we thought maybe someone used her card but as I read the bill it mentioned 24 month no interest for last month. So it's clear she was on a 24 month no interest payment and when my mom asked they guy about the payments at the store he gave her the wrong information.

My question has anyone that has had this happen know if I can call and get this fixed. If I go to the store, or offer to pay the whole original balance in full so we don't get charged the outrageous interest. The interest is higher than the appliances itself and we can't just give $2,200 away. If my mom would have known she had 24 months she would have payed it all( she never missed a payment, but she had made the payments based on the rate that the best buy seller told her. You can unsertand how $2,200 can set anyone back. Especially if you didnt know about it and are not even paying for a physical item... Her fridge is literlly broken and this money could fix that and now we have this set back.

Any tips could help.

I had something in my cart online waiting for after the holidays. I was lined up to use the 24-month interest-free financing on my Best Buy credit card. All of a sudden I go on and check today, and there's only one option: 12 months. There used to be 18 and 24 also, now just 12. Anyone know why, or does anyone know if I'm wrong?

Thanks :)

Best buy offers no interest credit on TVs if they're paid off completely in 24 months. Given high CD rates, it seems like an opportunity to save some money. Is it worth signing up for a line of credit, though? I'd absolutely pay it off on time.