Special financing for 6 months on purchases of $200 or more with the HP Credit Account.*
Pay over time with the HP Credit Account†
Prequalify now
Level up your
purchasing power
with HP Financing
Introducing a better way to get HP tech
Special offers available through HP Financing
Months
Buy now, pay later.† Special financing for 6 months on purchases of $200 or more with the HP Credit Account.*
Months
Buy now, pay later.† Special financing for 12 months on purchases of $750 or more with the HP Credit Account.*
Months
Buy now, pay later.† Special financing for 24 months on purchases of $1,500 or more with the HP Credit Account.*
No Credit
Needed Solution
For customers who do not qualify for credit, HP Lease-to-Own financing looks beyond credit scores. Flexible payment options available.^
Getting started is easy
Prequalify Now 
It's fast and secure.
Get a Decision in Minutes
If you prequalify for the HP Credit Account, you can accept your offer immediately. If not, you will have the option to check your eligibility with other financing solutions.
Quick & Easy Checkout
If you are approved, you can use HP Financing as your payment option instantly at checkout to complete your purchase.
Have an existing account?
Access convenient tools for managing your account such as online bill pay, paperless statements, and more through our partners’ customer portals.
Program FAQs
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 Lease-to-Own by Koalafi
You can click anywhere you see the “Prequalify now” 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.
If you prequalify for the HP Credit Account by Comenity Capital Bank, a Bread Financial Company, you can continue with accepting the offer. If you aren't prequalified for the HP Credit Account, you can still apply for the account or you may be presented with checking 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.
Once your new account application has been approved, you can use your financing immediately. In the payment section at checkout, select "HP Financing" as your payment option to look up your account. Follow the on-screen steps to complete your purchase.
Once your new account application has been approved, you can use your financing immediately. In the payment section at checkout, select "HP Financing" as your payment option to look up your account. Follow the on-screen steps to complete your purchase.
HP Credit Account by Comenity Capital Bank, a Bread Financial Company: We will need your current email, phone number, and address. The address can be a street address, rural route or APO/FPO, but we cannot accept a P.O. Box. You will also need to provide your date of birth and a valid Social Security number or employer identification number.
HP Lease-to-Own by Koalafi: 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, email address, bank routing and account number, and an active debit card with expiration date.
HP Financing is available to individual consumers who check their eligibility at HP.com using their personal information, including name, home address, and personal phone number. SMB customers are also welcome to check their eligibility as individual consumers using their personal information. However, applications received using information specific to a business will not be approved.
To learn more about HP's Small and Medium Business financing options, please call 866-625-0242. When prompted, state “Sales” then “Business” to be routed to our Business Technology Advisors.
If you complete an application for a new account after you are prequalified, your credit score may be affected.
You 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.
HP Credit Account by Comenity Capital Bank, a Bread Financial Company: If you prequalify for an HP Credit Account, issued by Comenity Capital Bank, a Bread Financial™ company, your prequalification is valid for up to 30 days.
HP Lease-to-Own by Koalafi: If you prequalify, you will have 30 days to complete your application. If you are approved for a new account, you will have an additional 30 days to use your approved amount.
Select your HP Financing program from the "Have an existing account?" section above and click on the Account login button. You will be directed to the appropriate account center portal where you can manage your account using convenient tools such as online bill pay, paperless statements, and more. Online account tools may vary by lender or lease provider.
For information on returns, exchanges, or refunds, please refer to the HP.com returns page.
If you are an HP Lease-to-Own by Koalafi customer who wants to return an item after HP’s return widow 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 by Koalafi. 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, 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).
You can contact each lender or lease provider directly via the information below.
HP Credit Account by Comenity Capital Bank, a Bread Financial Company: 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 Lease-to-Own by Koalafi: Email Koalafi's 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).
Terms & Conditions
HP Credit Account by Comenity Capital Bank, a Bread Financial Company:
*Deferred Interest, Payment Required Plan: Interest will be charged to your Account from the purchase date if the promotional plan balance is not paid in full within the promotional period. Minimum payments are required for each Credit Plan. Minimum payments are NOT guaranteed to pay the promotional plan balance within the promotional period. You may have to pay more than the minimum payment to avoid accrued interest charges. Valid for single transaction only. Gift cards do not qualify for promotional plans. Qualifying purchases will automatically be placed on a promotional plan. If purchase qualifies for more than one plan, it will be placed on the qualified plan with the longest promotional period. As of July 2024, terms for new Accounts: Purchase APR of 35.99%. Minimum interest charge is $3 in any billing period in which interest is due. A fee of $2.99 per month may apply for each paper billing statement mailed to you. You can avoid this fee by enrolling in paperless statements. Existing Account holders: see your credit card agreement for Account terms.
**A soft inquiry is used to check your eligibility which will not affect your credit score.
†Minimum payments required each billing period. Interest will apply according to your regular credit terms.
Credit account offers are subject to credit approval.
HP Credit Accounts are issued by Comenity Capital Bank, a Bread Financial™ Company.
HP Lease-to-Own by Koalafi:
^Koalafi offers flexible payment options through rent-to-own (or lease-to-own) transactions. Sales tax is collected by Koalafi and will not reflect on your HP Store order; check your Koalafi account for complete details. Koalafi’s lease-to-own plans are not offered in VT, MN, NJ, WY, or WI. Some additional state-level restrictions may apply. Lease-to-own (rent-to-own) financing is not a loan but charges a leasing cost in addition to the purchase price. To acquire ownership, you must make all scheduled rental payments, or prepay in accordance with the lease agreement to save on leasing cost. You can set up additional payments by calling Koalafi at (844) 937-8275 within your promotional offer (often within the first 90 days) to exercise your Early Purchase Option and only pay the initial payment, purchase price, taxes, and any associated fees. Payments must be made on time to remain eligible for this promotional offer. Details may vary from state to state. Program features are for qualifying lease-to-own customers only. You can terminate your lease at any time without penalty by calling Koalafi at (844) 937-8275 and voluntarily returning your leased items. Consult your lease for complete terms and conditions. Offer subject to change.
No credit needed does not imply no credit check. Koalafi performs a credit check as part of our application process. Checking for eligibility will not impact your credit score.
