10 Buy Now, Pay Later Camera Options (Some With No Credit Check)

Fees and interest: Late fees for both cards are up to $38; updated APR information can be found in the account agreements online.

 

FlexShopper

Camcorders, dashcams, DSLRs, drone-mounted cameras, instant, mirrorless, compact digital, spy cameras, and underwater cameras are examples of camera types.

Option(s) to buy now and pay later: Lease-to-own agreements are available for appliances, audio equipment, cameras, cell phones, computers, exercise equipment, furniture, jewelry, mattresses, tablets, televisions, tires, and video game consoles through FlexShopper. Shoppers must be at least 18 years old, have a consistent income, and have a bank account that has been open for at least 90 days.

Is a credit check necessary? No, FlexShopper reports late payments to the major credit bureaus.

Fees and interest: Vary by payback time; for example, if you have a 90-day payback period, you will pay the cash price plus tax.

 

Adorama

Camcorders, DSLRs, drone-mounted cameras, instant, medium format, mirrorless, compact digital, and related accessories are examples of camera types.

Option(s) to buy now and pay later: FlexShopper offers lease-to-own options, as well as the option to apply for and finance an Adorama store credit card. The FlexShopper program provides “90 days same as cash” financing on select items as well as ongoing lease-to-own arrangements. In addition, new Adorama Credit Card account users can enjoy interest-free purchases on various brands if they pay off their entire balance within six, twelve, twenty-four, or forty-eight months (depending on the promotion).

Is a credit check necessary? The Flexshopper program does not require a credit check. However, the Adorama store credit card does.

Fees and interest: Current interest rates and fees can be seen on the Adorama Credit Card account page.

Fingerhut

Camera types include camcorders, DSLRs, dashcams, instant cameras, compact digital cameras, and waterproof cameras.

Option(s) to buy now and pay later: Is a credit check required for Fingerhut Credit? Yes

Fees and interest: Late fees of up to $39 are charged by Fingerhut Credit, as are returned payment fines of up to $39. Details about the current APR can be found in the Fingerhut Account Opening Disclosures.

The Best Buy

Camera types include DSLR, instant, mirrorless, compact digital, and related accessories.

Option(s) to buy now and pay later: Is a credit check required for My Best Buy Credit Card? Yes

Fees and interest: Late fines on the My Best Buy Credit Card can reach $39. The current APR can be seen in the My Best Buy Credit Card Terms and Conditions.

Leesville

Camera types include camcorders, DSLRs, instant cameras, mirrorless cameras, and compact digital cameras.

Option(s) to buy now and pay later: LeaseVille provides lease-to-own agreements for electronics, appliances, musical instruments, fitness equipment, tools, and lawnmowers. Applicants must show documentation of a consistent monthly income of $1,200 and an active bank account for at least six months.

Is a credit check necessary? There will be no interest or fees.