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"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)

: Available at Best Buy checkout. Offers "Pay-in-4" (interest-free) or monthly installments (up to 30% APR). Most "Pay-in-4" plans do not require a hard credit check.

: It is significantly more expensive than the cash price unless you use the 90-day purchase option , which allows you to own the item early for a much lower cost.