On the smart speakers front, the Amazon TAP Alexa bluetooth speaker has flattened out to $100 with free shipping.
Or optionally, the Amazon product page may offer you an option to pay for it with five $20 installments. This is not a credit card, because you need a valid credit card that will be charged the first installment right away. So it’s a fairly low risk for Amazon. If you are eligible for this, you will see something like this above the iconic “Add to Cart” button:
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