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Third-party apps like Affirm and Klarna are popular alternatives that often use , which do not impact your credit score.

: Based on business credit (Experian Business or Dun & Bradstreet) rather than your personal score.

If you have a registered business, the Best Buy Business Advantage account may offer a option.

: Offers terms from 1 to 48 months for purchases up to $17,500. Rates vary from 0% to 36% APR.