HP Financing:
Flexible payment options
for your tech

HP Financing offers consumer payment solutions to help you bring home the HP tech you need with flexible payment options. Whether you're looking for laptop financing, gaming PC financing, or financing for other HP tech, we have options that fit your budget and needs. Our financing programs are designed to make technology more accessible and affordable. You can finance or lease HP tech starting at just $200.

HP Financing offers a variety of payment solutions which you may be able to use to pay for your order over time, including:

• HP Credit Account, issued by Comenity Capital Bank, a Bread Financial™ company
• HP Financing Account, issued by The Bank of Missouri (tbom®) and serviced by Concora® Credit Inc.
• HP Lease-to-Own by Koalafi

You can click anywhere you see the "Prequalify" link or button throughout HP.com to check your eligibility. You will be prompted to provide details about yourself to see if you prequalify for the HP Credit Account by Comenity Capital Bank, a Bread Financial Company. A soft inquiry will be used to check your eligibility which will not affect your credit score. If you aren't prequalified, you may choose to check your eligibility with our other financing solutions.

Checking your eligibility for HP Financing uses a soft inquiry which won't impact your credit score. This allows you to explore your options without worry. Your credit is only affected if you accept a financing offer and complete your purchase. Your offer is based on information you provide and your credit history, but the prequalification process itself won't affect your credit score.

HP Credit Account: To complete your application, you will be required to enter your current email address, phone number, and physical address. The physical address can be a street address, rural route or APO/FPO, (no PO Boxes). You will also need to provide your date of birth and a valid Social Security number or employer identification number.

HP Financing Account: To be eligible, you must be over the age of 18, with valid ID, Social Security number, physical address (no PO Boxes), email address, and phone number.

HP Lease-to-Own: To complete your application, you must be 18 years of age or older; a U.S. resident with a valid U.S. address; and have a valid Social Security number or ITIN, email address, bank routing and account number, and an active debit card with expiration date.

If you prequalify for the HP Credit Account, you can continue with accepting the offer. If you are not prequalified for the HP Credit Account, you can still apply for the account, or you may be presented with an option to check your eligibility with our other financing solutions. Terms and conditions will be provided for the corresponding lender/lease provider.

If you are not eligible for offers through HP Financing, you can still place an order at checkout with an alternate payment method such as a credit or debit card.

Prequalifying means you can check your eligibility for HP Financing before completing your purchase. The prequalification process is fast and won't impact your credit score. This allows you to understand your financing options before finalizing your selections. A prequalification is not an acceptance of offer approval. Be sure to complete the full application process to accept your offer and open your account before completing your purchase with HP Financing.

To prequalify, click the "Prequalify" button on the HP Financing page, on the product page, or at checkout. You will need to provide some basic information when prompted. A soft inquiry will be used to check your eligibility, which will not affect your credit score, and typically takes just minutes to complete. After you prequalify for an offer, additional information will be required to obtain your offer approval and open your account. Offers are not guaranteed until 1) you have accepted your offer and 2) final approval is secured by your lending or lease provider to open your account.

If you prequalify, you can accept your offer immediately. If not, you will have the option to check your eligibility with other financing solutions. Once you accept an offer, you can use HP Financing as your payment option instantly at checkout to complete your purchase. Your offer terms will be clearly displayed before you finalize your order.

New HP Financing customers cannot choose a specific lender or lease provider to check your eligibility, even if you have previously used that payment option with a different merchant. However, if you already have an HP Credit Account (Bread Financial), HP Financing Account (Concora® Credit), or HP Lease-to-Own account (Koalafi), select the appropriate financing partner under "Already have an account?" to log in.

HP Credit Account: If you prequalify for an HP Credit Account, your prequalification is valid for up to 30 days.

HP Financing Account: Prequalified offers are valid for 10 days before expiring. If you apply for an offer and are approved, you'll have 60 days to make your first purchase using your new account.

HP Lease-to-Own: If you prequalify, you will have 30 days to complete your application. If you're approved for a new account, you will have 30 days to use your approved amount.

1. Review Your Cart: Once you have selected the HP tech you would like to purchase, go to your cart to review your items then select "Checkout".
2. Enter Your Information: Provide your email address, phone number, name, and shipping address, then select your shipping method.
3. Select Payment Method: Under "Secure Payment", select "HP Financing" then click "Checkout with HP Financing".
4. Already Have an Existing Account with HP Financing: If you already have an HP Credit Account (Bread Financial), HP Financing Account (Concora® Credit), or HP Lease-to-Own account (Koalafi), select the appropriate financing partner under "Already have an account?" to log in.
   
   You can also log in to your existing HP Financing account by entering your mobile phone number where prompted.
5. No Account? Check Your Eligibility: If you don't already have an account with HP Financing, you can check your eligibility by entering your mobile phone number. Follow the prompts to see if you are eligible for any special offers.
   Once you are prequalified for an HP Financing option, carefully review your offer. If it meets your needs, accept it and provide any additional information when prompted to open an account. If you are not interested in the HP Financing offer, you can cancel the process, and you will be redirected back to checkout where you can select a different payment option to complete your purchase.
6. Complete Your Order with HP Financing: After receiving your account approval or logging in to your existing account, review and complete your HP order using HP Financing as your payment option.

Note: HP Financing as a payment option is not available for All-in/subscriptions. If your cart includes an All-in/subscription, you can choose "Split your order" where prompted during the checkout process to complete your purchase using HP Financing on eligible items and another form of payment for non-eligible items.

HP Financing can only be used to pay for purchases at the HP store. Have an account? Visit HP.com today to start shopping and use your HP Financing account at checkout to complete your purchase.

Special financing means no interest if paid in full within the promotional period (e.g., 6, 12, or 24 months, depending on purchase amount) and applies to HP Credit Account and HP Financing Account holders. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the promotional period. Minimum monthly payments are required. Financing options like these can make larger purchases more manageable by spreading the purchase amount over time. This special financing offer does not apply to HP Lease-to-Own account holders.

Lease-to-own financing is a flexible payment option that lets you get the products you need now and pay for them over time.

With an HP Lease-to-Own by Koalafi account, Koalafi purchases the item from HP and leases it to you. You will make regular scheduled payments over a set period, and once all payments are made, you own the item.

You can choose to purchase the item early to save on leasing costs or return it at any time to end your lease.

If using the HP Credit Account or HP Financing Account as your payment option, no interest will be charged on the promotional balance if you pay it off in full within the promotional period. If you do not pay it off in full within the promotional period, interest will be charged on the promotional balance from the purchase date. The interest charged will depend on the terms of your specific offer, which will be clearly disclosed before you complete your purchase. Always pay in full before the end of the promotional period to avoid interest charges on your purchase amount. This interest charge does not apply to HP Lease-to-Own accounts, which are rental agreements.

With HP Lease-to-Own, you will pay a $49.00 initial payment and make regular payments, including any leasing fees, until the end of your lease term. Eligible account holders can exercise an early purchase option to save on leasing costs. See your agreement for additional information.

HP Credit Account and HP Financing Account promotional financing offers are subject to credit approval and provide special terms for a limited period. The APR is determined based on your creditworthiness. These interest promotion periods may be 6, 12, or 24 months depending on your purchase amount and which account you have. If the promotional balance is not paid in full by the end of the promotional period, interest will be charged from the purchase date. The purchase APR will be disclosed in your account terms when you are approved.

HP Lease-to-Own also offers ways to save on financing costs by paying off your lease early. See your agreement for additional information.

HP Financing provides several buy now, pay later options to fit different budgets and purchase amounts. Buy now, pay later solutions make it easier to get the HP tech you need today while spreading payments over time.

Buy now, pay later options allow you to make a purchase immediately and spread the payments over time, often with promotional terms like no interest if paid in full within a specific period or other options to pay early and save. These payment solutions provide flexibility for managing larger purchases. With an HP Credit Account or HP Financing Account, interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the specified timeframe. This interest charge does not apply to HP Lease-to-Own accounts, which are rental agreements. Refer to your lease agreement for more information.

Buy now, pay later options are available on qualifying purchases that meet the minimum amount requirements. The specific financing terms available on your purchase will depend on the total amount and products selected.

For HP Credit Account and HP Financing Account holders, you can make payments through our partners' customer portals, which offer convenient tools such as online bill pay and paperless statements. You can also pay by phone or mail. Specific payment instructions will be provided after account approval. Monthly payments are due on the same day each month, and payments are processed promptly when made online. Your credit card payments can be scheduled in advance to avoid late fees.

For HP Lease-to-Own account holders, payments are automatically deducted from your account via ACH or debit according to your payment schedule. You may make additional, unscheduled payments at any time using the Koalafi customer portal or by calling Koalafi customer service at 844-937-8275, Monday - Friday, 8:00am - 9:00pm (ET), and Saturday, 8:00am - 8:00pm (ET).

Select your HP Financing account from the "Have an existing account?" section on this page and click the Account login button. You will be directed to our partner's customer portal where you can manage your account using convenient tools such as online bill pay, paperless statements, and more. Details for accessing your account will be shared once your account is approved. Customer portals are secure and easy to navigate, making it simple to manage your payments. You can also view your promotional balance and remaining promotional period, if applicable. Online account tools may vary by lender or lease provider.

You can pay off your balance at any time. Paying your promotional balance in full before the end of the promotional period will help you avoid interest charges or additional leasing costs.

For HP Credit Account and HP Financing Account holders, making additional payments above the minimum helps reduce your promotional balance faster. To pay in full, simply log in to your customer portal and follow the payment instructions. Your account terms may include details about early payoff options.

HP Lease-to-Own account holders can pay off their lease early at any time by using the Koalafi customer portal or by calling Koalafi customer service at 844-937-8275, Monday - Friday, 8:00am - 9:00pm (ET), and Saturday, 8:00am - 8:00pm (ET). Eligible account holders can exercise an early purchase option to save on leasing costs. See your agreement for additional information.

If you miss a payment, your promotional terms and credit score could be affected.

With the HP Credit Account and HP Financing Account, interest will be charged according to your account terms. To avoid these consequences, we recommend setting up automatic payments. If you anticipate payment difficulties, contact customer service promptly to discuss your options. Payments are crucial to maintaining your promotional benefits. Additionally, HP Lease-to-Own account holders who miss a payment may lose their early purchase option eligibility.

Yes! Once approved, your HP Credit Account, HP Financing Account, or HP Lease-to-Own account can be used for future qualifying purchases at HP.com, subject to available credit or remaining lease approval. Available financing can be used for additional HP tech needs as they arise. Special financing offers may vary by product. Subject to approval, you may also qualify for special financing or other promotional offers on new purchases.

For HP Credit Account and HP Financing Account, financing terms are subject to credit approval. Your credit will be evaluated during the application process, and the final terms of your financing will be based on your creditworthiness. Minimum recurring payments are required for all financing plans. Interest will be charged if promotional balances are not paid in full by the end of the promotional period. See complete terms and conditions for your account in your agreement.

With HP Lease-to-Own, eligible applicants will pay a $49.00 initial payment and make regular payments, including any leasing fees, until the end of your lease term. Eligible account holders can exercise an early purchase option to save on leasing costs. See your agreement for additional information.

In most cases, HP Financing can be combined with product discounts and special offers. However, some limited-time promotions may have restrictions. The checkout process will clearly indicate which promotions can be combined with financing options before you complete your purchase.

If you return a financed product within the standard return period, the purchase amount will be credited back to your account. If you have made payments toward the purchase, these will be applied to any remaining balance on your account. Standard HP return policies apply to all financed purchases. Subject to approval, the original financing terms remain in effect for any products you keep.

If you are an HP Lease-to-Own account holder who wants to return an item after HP's return window has closed, please call Koalafi customer support at 844-937-8275, Monday - Friday, 8:00am - 9:00pm (ET), and Saturday, 8:00am - 8:00pm (ET).

For information on submitting an order cancellation request, please refer to the HP.com order cancellation page.

Yes, there are some items that are not leasable with HP Lease-to-Own. You will receive an error message and will not be able to proceed with the lease-to-own transaction if your cart total is below a minimum amount or if it contains a certain amount of non-leasable items, which may include warranties, subscriptions, gift cards, or consumable items such as ink, paper, or toner. Laptops, desktops, monitors, and printers for personal or household use are leasable. These requirements may vary state by state. If you have questions about leasable items, call Koalafi customer support at 844-937-8275, Monday - Friday, 8:00am - 9:00pm (ET), and Saturday, 8:00am - 8:00pm (ET).

Yes! HP offers various protection plans that can be added to your purchase. These may include extended warranty coverage, technical support, and other services. Protection options like accidental damage coverage for portable devices may be available for select products. Advanced exchange service options and on-site service plans may also be offered for certain product categories. These plans can typically be financed along with your purchase when available.

For laptops and portable devices, accidental damage protection plans are often recommended to cover unexpected incidents. For desktop systems and larger equipment, on-site service options provide convenient support. Many customers also choose advanced exchange service for peripherals like printers. Each protection plan has specific terms, and the available options will be shown during the checkout process based on the products you select.

Yes! Eligible protection plans can be added to your financed purchase and included in your payments. Adding protection to your financed purchases can provide peace of mind without requiring additional upfront payment. Available protection options will be presented at checkout based on the products in your cart. Subject to credit approval, the entire purchase with protection plans can qualify for promotional financing.

You can only check your eligibility for HP Financing using your personal information (e.g., name, home address, personal phone number). Small and medium business (SMB) customers are also welcome to check their eligibility as individual consumers using their personal information. However, applications with information specific to your business will not be approved through this consumer financing program.

For businesses needing financing solutions, HP Business Financing is available. Visit the HP Business Financing page to learn more.

Yes! HP Business Financing has options designed for SMB customers looking to finance tech purchases with fixed low monthly payments. Visit the HP Business Financing page to learn more.

You can contact each lender or lease provider directly via the information below.

HP Credit Account: For any questions, please call Comenity Capital Bank at 1-855-506-2501 (TDD/TTY: 1-888-819-1918), or visit comenity.net/hpcreditaccount.

HP Financing Account: For questions, call Concora® Credit customer service at 1-800-229-0386, 6:00am - 6:00pm (ET), every day, or visit concoracredit.myfinanceservice.com.

HP Lease-to-Own: Email Koalafi customer support at customerservice@koalafi.com, or call 844-937-8275, Monday - Friday, 8:00am - 9:00pm (ET), and Saturday, 8:00am - 8:00pm (ET).