- Up to $5,000 credit limit
- No hard inquiries on credit report
- Purchases fullfilled by nearest Best Buy store
- Reports payments to three major credit bureaus
- 7-day a week customer support
- Not available in in MN, NJ, WI & WY
Pros | Cons |
---|---|
Reports to 3 major credit bureaus | more expensive to lease to own than pay cash |
7 day a week customer support | |
No hard inquires | |
No credit or bad credit applicants can apply | |
Up to $5,000 in credit limits | |
Purchases fulfilled at Best Buy Stores |
At A Glance
Buy On Trust stands out from their competition in two significant ways. Firstly, their customer support via phone is available 7 days a week in constrast to their peers, who mainly have customer support only available 5 days a week from Monday to Friday. Secondly, American First Finance and Acima (which are lenders of Buy On Trust) reports your payments to the three major credit bureaus while their peers do not.
Requirements
- Income History - 3 month of income from the same source
- Monthly Income - Income of at least $1,000 deposited into your checking account
- Checking Account - for 90 days
- Checking Activity - No NSF, excessive overdraft or negative balance
How does BuyOnTrust.com work?

Competition
Store | Credit Limits | Reports to Credit Bureaus | Customer Support |
---|---|---|---|
Buy On Trust | $5,000 | Yes | 7 days a week |
Electro Finance | $5,000 | Maybe | Weekdays only |
RTBShopper | $5,000 | No | Weekdays only |
Leaseville | $5,000 | No | Weekdays only |
Progressive Lending | N.A. | No | Weekdays only |
There are quite a few lease to own or buy now pay later electronics program. Some of them (like BuyOnTrust) have their products fulfilled by Best Buy while others have them fulfilled by other retailers. In this section, we will compare Buy On Trust with them.
Compared with those who use Best Buy stores to fulfill your orders
RTBshopper.com is a lease to own electronics store that fulfills your order through your nearest Best Buy store. They are very similar to BuyOnTrust.com in that you can get a maximum of $5,000 credit limit and you have to pay an initial fee of $50 at checkout. The payment terms differ slightly. Whereaas you have one year to pay for Buyontrust.com, with RTBshoppercom, your payment amount is set for a weekly, bi-monthly or monthly payment plan and payment stops when you have paid up for the item or items that you have purchased (with interest). Like BuyOnTrust.com, RTBshopper.com does not do any hard inquiry and there is no impact on your credit score when you apply. However, the big difference between RTBshopper.com and BuyOnTRust.com is that Buy On Trust reports your payment to all three major credit bureaus whereas RTBshopper.com says that they "MAY" report your payments to the three major credit bureaus. Another major difference is their phone support. BuyOnTrust.com has phone support 7 days a week whereas RTBshopper only has phone support 5 days a week and is unavailable over the weekend.Another competitor to Buyontrust.com is Electro Finance. They have very similar terms in that you can get up to $5,000 in credit limits, have to pay a $50 administrative fee after you check out and those with no credit or bad credit can apply. The products you buy are also fulfilled by Best Buy and you can pick up your purchases from the nearest Best Buy store. Unlike Buy On Trust, Electro Finance does not guarantee that their lenders will report your payments to the three major credit bureaus. Instead, they claim that SOME of their lenders might report. Their phone customer service support is only available from Monday to Friday. In contrast Buy On Trust phone support is available 7 days a week.
Progressive Lending appears to be the lease to own or rent to own lender when you physical shop at Best Buy and want to stretch your payment over time. If you apply for a buy now pay later program in Best Buy stores, the folks in "blue" will get you to sign up with Progressive Lending. Once again, it is really identical to other lenders like Buyontrust.com or Electro Finance. Progressive Lending does not report your payments to credit bureaus at all. This is in contrast to Buy On Trust, which reports to all three major credit bureaus.
Leaseville is another lease to own store that fulfills your orders from either Home Depot or Best Buy. They offer very similar terms and like most least to own operators, they allow those with no credit or bad credit to apply and get approved. Like the rest, they look at income and your bank account rather than your credit report. Like others mentioned here, Leaseville is inferior to Buy On Trust in the following aspects. Firstly, their phone support is only available from Monday to Friday versus 7 days a week for BuyOnTrust.com. Secondly, Leaseville does not report your payments to the three major credit bureaus.
Pros: What we like
- Fantastic Customer Service - Buyontrust.com customer service can be reached 24/7 and whenever I called, they picked up the line very promptly
- Reports to all three credit bureaus - This is really huge because most lease to own lenders to not report to credit bureaus at all. Progressive Lending, which is the lender of Best Buy when you shop at their store does not report payments to credit bureaus at all
- Soft Inquiry when applying - When you apply for Buy On Trust, they will perform a soft inquiry which has no impact on your credit score.
- Allows those with no credit to get credit lines - BuyOnTrust allows those with no credit credit to be able to purchase electronics from Best Buy on a lease to buy basis.
- Products are picked up from Best Buy - The products you buy are essentially from Best Buy, arguably the most well-known electronics store.
- Up to $5,000 in credit limits - $5,000 is a pretty generous line that can get you some serious electronic gears
- 7-day customer support via phone - BuyOnTrust.com phone support is available 7 days a week from 9 a.m. to midnight mountain time. This is far better than it's peers who tend to have phone support only 5 days a week.
Cons: What We do not like
- You pay more with lease-to-buy arrangements - As a general rule, you will pay more in a lease to buy payment scheme than if you paid in cash. This applies to all lease-to-buy programs and not just with Buy On Trust Lending.
- Not available in MN, NJ, WI & WY - Buyontrust.com is unfortunately not available in these states.
BuyOnTrust.com: Best Least to Own Electronics Store
Most of you will know that going through a lease to own payment plan will cost you more than if you paid cash upfront. But if you do not have the cash to pay upfront and do not mind a lease to own payment plan, the BuyOnTrust.com is a lease to own store we can recommend if you want to purchase electronics. You will get customer support everyday of the week and you will also get the benefit of having your payments report to the major credit bureaus.
How to apply?





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Contact Information
Phone: (888)-274-7732
Email: https://wwww.buyontrust.com/contact-us/