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List of Stores to Buy Now Pay Later Air Conditioner

List of Stores to Buy Now Pay Later Air Conditioner

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Summertime and now even fall have always been hot, but this year it has been downright oppressive in many parts of the country! 

 If you're like me, and you can't stand to be in your sweltering house any longer, you may be looking for a way to cool off. An air conditioning unit may be the answer. But where do you go to buy one that is affordable and offers flexible financing options? 

BLACK+DECKER 8,000 BTU Portable Air Conditioner with Remote Control, White

Here we’ve rounded up the best retailers to buy now pay later any kind of air conditioner from portable to window Ac units  and Wi-Fi enabled so that you can stay comfortable through every heat wave and hot summer day!

Air Conditioner Financing: Bread, Progressive Leasing 

Tractor Supply

Tractor Supply offers a large variety of portable and window AC units from top brands including LG, Perfect Aire, Danby and Portacool. 

Finance your AC unit at Tractor Supply with 12 month, interest free payments when you qualify for a Tractor Supply Credit Card. Minimum purchase $399. 

Subject to credit approval on qualifying purchases on a TSC Personal Credit Card. Terms and conditions apply.


20 Years In Business providing expert advice. U.S.A Founded Company. Find brands including: Friedrich Portable Air Conditioner, DeLonghi, Whytner and many more. 

Sylvane has partnered with Bread to provide easy and affordable financing on your order. You choose the products you want to purchase and pay for it over time using financing.

DuraComfort Cooling&Heating Portable Air Conditioners, 14000 BTU(Ashrae) /10400 BTU (SACC), Dehumidifier, Fan + WiFi Smart Control, Up to 500 Sq. Ft

Buy Now, Pay Later. Fair rates, No prepayment penalties.

Flexible Payment Terms of 6, 12 and 24 Months*

  •  Fast and easy online application
  •  Flexible payment terms of 6, 12 and 24 Months*
  •  Clear, transparent terms with no prepayment penalties
  •  Checking your rate will not affect your credit score


NewAir Portable Air Conditioners quickly cools and dehumidifies your living space for instant comfort.

Finance your portable air conditioner with Bread, providing easy and affordable financing through our partner, Bread®, so you can pay for your purchase over time.

Best Buy Progressive Leasing

Looking for an easy and affordable lease to own option? Consider finding your AC solution at Best Buy and use the Progressive Leasing plan, no credit history required. 

Newair Evaporative Air Cooler and Portable Cooling Fan in Silver, Honeycomb Pad Cooling, 470 CFM, 1.45 Gallon Removable Water Tank, Remote Control and Timer, Cost Saving Cooling for Dry Climates

Buy Now Pay Later with: Paypal, EasyPay, Klarna, Zip

Shop Abunda – Klarna, Paypal, Acima 

Found your perfect AC unit on Amazon but want to finance it? Abunda offers financing options for you on all the top brands of portable and window AC units. Buy Now Pay Later choices include Klarna, Paypal and Acima Lease to Own.

Browse hundreds of AC units from top brands and pay in easy monthly installments, brands include LG, Black and Decker, Serene Life, Goodman, Daiken and more! 

Best Buy – Zip, Paypal

Discover Heating, Cooling and Air Quality at Best Buy. Shop Air Purifiers, Fans, Space Heaters, and More. Improve Your Home’s Air Quality. Ready In An Hour. Curbside Pickup. Choose flexible financing with Zip or Paypal at checkout. 

QVC – Easy Pay, Paypal

Find your home AC solution at QVC, including top brands LG, Black and Decker, Soleus, Kapsul Air Conditioner. Buy Now Pay Later in 3 Easy payments with Easy Pay by QVC. 

Want to hear more of our opinion on QVC? Here's our post on Home Shopping with QVC.

Soleus Air Exclusive 8,000 BTU Energy Star First Ever Over the Sill Air Conditioner Putting it in a Class of its Own for Safety and Whisper Quiet, Along with Keeping Your Window View (Fits up to 11" Wide Window Sill)

Buy Now Pay Later Air Conditioner with Affirm

Shop our list of online retailers that have partnered with Affirm to give you a simple way to get the heating and cooling equipment you need now and pay for it later from portable air conditioners to window air conditioners these stores offer flexible payment plans with Affirm.

Sylvane – Affirm, Paypal

Compare & Buy All Air Conditioners at Sylvane, offering. 30-Day Returns and Fast Free Shipping! $200+ Financing Available with Affirm and Paypal. 


Beat the heat – shop personal air coolers. . Stay cool this season – shop stand up portable air conditioners. Buy Now Pay later available with Affirm. 4 easy payments, simply choose Affirm at checkout.


Stay cool with a portable AC unit from Target and buy now pay later with Affirm and make easy monthly payments over 3, 6 or 12 months. 

Options include delivery and in-store pick-up if you need your unit fast! Find favorites including the As Seen on TV Arctic Air Pure Chill Air Conditioner, Hyer and Costway units. 


If you’re in the market for a new air conditioner, we highly recommend considering a portable option, not only are they more affordable than traditional central AC units, but they also offer flexibility and convenience that can be hard to beat. 

Plus, with summer just around the corner, there’s no time like the present to start shopping and you can pay over time giving the entire summer to pay it off!

Have you considered a portable air conditioner unit? If not, now is definitely the time to give them some serious thought.


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