Payment Options - Finance, Layaway and Leasing
At Cheaper by The Minute, we believe everyone deserves access to great deals—no matter their budget or situation. That’s why we offer a variety of flexible payment solutions to help you get what you need, when you need it.
Finance Plans – Buy Now, Pay Over Time
Need a little extra time to pay? Our finance plans let you take your purchase home today with a manageable down payment. Spread the remaining balance over easy monthly installments that fit your budget. Enjoy your items now and pay at your own pace!
Layaway – Reserve Now, Pay As You Go
Prefer to pay over time without any upfront cost? Our layaway program lets you reserve your favorite items with no down payment required. Make payments on your schedule, and once you’ve paid in full, your items are ready for pickup. It’s a simple, interest-free way to shop smart.
Leasing – Short-Term, Low Commitment
Looking for a short-term solution? Our leasing option is perfect for those who want flexibility. With just a small origination fee, you can lease the products you need for a set period. At the end of your lease, you can choose to buy, return, or upgrade—no long-term commitment required.