: This is the closest alternative for those who cannot get a credit card.

: Best Buy supports third-party apps like Affirm and PayPal at checkout, allowing you to split the cost into four or more installments.

If you are timing your purchase, current deals at Best Buy and competitors include:

: If not paid off within the first 90 days, the total cost can be significantly higher than the original retail price.

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.

: Offers often include 12 months of 0% interest on purchases of $299 and up, provided the balance is paid in full within that period. Requirements : Requires a credit application and approval.

: This is the primary way to "pay over time".