Buy On Trust Lending

Merchandise credit to lease and own electronics - same day pickup at Best Buy

Updated: Jan 2, 2024

Advertiser Disclosure

The Buy on Trust lending offers a fast and easy way to own electronics. Comes with up to a $5,000 credit line and same-day pickup from the nearest BestBuy store. Absolutely no credit needed to get instant approval.


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28 User Ratings

Buy On Trust Lending

at BuyOnTrust's Secured website

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Application Fee

See Terms

Credit Reporting


Recommended Credit Score

Accepts All

Key Features

  • Get up to a $5,000.00 Credit
  • Your Approval is Instant*
  • No Credit Checks and No Turndowns!
  • Buy on Trust Now. Pay Later!
  • Get All TOP Brands: Apple, Sony, Samsung, LG, Dell, and more
  • Same Day Pickup at BestBuy
  • Available Nationwide (Except MN, NJ, WI & WY)
  • Flexible Lease Options to Fit Your Budget

Our Take

The Buy on Trust merchandise shopping credit is a lease offer to buy brand new electronics and home goods from BestBuy while getting products on trust and paying for them later. With an initial payment of just $50, the lender offers up to $5,000 unsecured credit with flexible repayment options. Applicants are instantly pre-qualified and no credit history is needed to get approved.

What Is the Buy On Trust for?

  • Poor, limited, or no credit applicants
  • Those who want to get high-end electronics and home goods now and pay later
  • Applicant looking for high merchandise credit line
  • Those who do not live in MN, NJ, WI & WY.

How does it work?

  1. Get instantly pre-approved. The process is fast, easy, and all online.
  2. Start shopping right away. Choose from 10,000+ brand new electronics and home goods.
  3. Select BestBuy store. Choose the preferred BestBuy store at checkout where you would like to pick up your items and finalize the lease agreement.
  4. Pick up your products. You can pick up your purchased products at the selected BestBuy store the same day. All you need just to have your ID. 0$ is due at pickup.

What are Buy On Trust benefits?

  • No credit is needed. The lender may check the applicant’s credibility but no credit history is needed to get approved for store credit.
  • Outstanding consumer service. The lender has a 4.9 (out of 5) rating*, with over 280 reviews. Those who used this lender say that customer service is fast, friendly, and eager to help with all inquiries.
  • Top brands. Buy brands like Apple, Dell, HP, GM, Samsung, and more from the closest BestBuy store with the credit limit you get approved in a few minutes online.
  • High credit limit. The unsecured credit offered is up to $5,000 and is very high as the lender does not require a credit history.
  • Flexibility and affordability. Lease plans are flexible and designed to fit your budget.

Are there any drawbacks?

  • No credit reporting. The credit offered is high but it does not help build a credit history because credit activity is not reported to Credit Bureaus.
  • Not available in select States. The offer is not available in Minnesota, New Jersey, Wisconsin, and Wyoming
  • No bonus. There is no bonus rewards or initial offer for first-time applicants.

Buy On Trust Offer Competition

Frequently Asked Questions

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Basic Information
Issuer: Other Issuers
Network: Other Networks
Category: Consumer (Stored Value)
Best Used For:
  • Cards for Bad Credit
  • Shopping
  • Unsecured
  • High Credit Limit
  • No Credit Check
  • Instant Credit
Rewards: No
Rates & Fees
Regular APR: See Terms
Regular APR Type:
Annual Fee: See Terms
Balance Transfer: No
Other Fees:
  • Processing fee: None
  • Cancelation fee: None
  • Membership fee: None
  • Returned payment fee: None
  • Foreign Transaction fee: None

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Rec. Credit Score

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*The information provided for Buy On Trust Lending is believed to be accurate at the time of evaluation or recent update on January 2, 2024. However, we strongly advise visitors to review the card fees and Terms & Conditions on the issuer's website by following Apply Now link to verify the accurancy of the information posted prior to applying for this card offer.

Buy On Trust Lending

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Rec. Credit Score: Accepts All

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