Before trying to make any purchases, the first thing you should do is apply for the Big Lots credit card. In order to be eligible for any of the Big Lots financing plans you are required to have the Big Lots credit card. To apply for the Big Lots credit card, you can either visit your local Big Lots shopping center and apply in person or you can visit the Big Lots website and fill out a Big lots application online. Once you’ve been approved for the card, you will be eligible for one of the two financing plans offered by Big Lots. When checking out a qualifying purchase that is over $250 you will be eligible for their 6-month offer and when checking out a qualifying purchase that is over $750, you will be eligible for their 12-month offer.