Laptops and Desktops With Bad Credit
Are you seeking a way to get your computer financed without having a credit check? Are you interested in finding a loan for your laptop that requires no down payments and features 0% financing? If you’ve been looking all over for an answer to these questions, read this article.
Computers are an integral part of the everyday lives of people across the world. They are used for just about everything–from shopping and ordering pizza, to reading the morning news and finding out about the latest technology. Once you’ve bought a computer, its almost impossible to live without one. If your old desktop or laptop is running too slow or has finally “given up the ghost”, it may be time to get yourself a new computer. But how can get you get a new, good computer without getting into big debt? Well, you have some easy options available.
One way to safely get a new computer without risk to your personal finances, is through layaway. Many retail stores features layaway programs where you can get a computer through easy, affordable weekly or monthly payments that require no credit check and also don’t require you to pay interest. The only problem with layaway is you have to wait until you’ve paid the computer completely off before you can take it home to play.
Another option for people interested in getting a new PC is through a credit card. Credit cards enable you to make purchases on credit without running to the bank for cash. While credit cards do have interest, they can offer you a solution if you’re looking for low monthly payments. With credit card payments, you can choose to pay the amount that you’re most comfortable with. If you would prefer to make only minimum payments, you can do that, if you want to pay the computer off with 2 or 3 payments of $200 or more, you can do that too. Credit cards are completely flexible and work into your life.
You can also get financing from the computer manufacturers themselves. Sony, HP, and Dell all feature financing programs for customers. While these programs are typically reserved for people with above average credit, anyone can apply for them. Once you’ve filled out the application for their credit line on their website, you can find out if you’re approved or not within a couple minutes. Once approved, you can buy whatever you want from their website (within your approved limits). If you do choose to get financed through the laptop or desktop manufacturer, make sure you’re careful to not get yourself into debt or monthly payments you can’t afford.
Do you want to learn more about laptop financing? Find out more about similar topics from the author’s website that has all the information you need to know about getting a bad credit notebook.
Computer Financing FAQ:
Question: I financed a computer for my aunt. She made my credit go from excellent to fair. What can I do to fix it?
I have an aunt with an inability to handle money. My credit was excellent (score around 760). My aunt’s husband had a business he ran out of their home and their computer died, so they needed a new one. They asked me to finance one for them and they would make the payments. Against my better judgment, I did it. Earlier this year I got a call asking why my payment was late. I called my aunt and she insisted it wouldn’t happen again. Then just recently, I found out they were FOUR payments behind, the balance was 3 dollars and some change less than the original balance was two years earlier, her last check of $25 bounced, and the account was closed and sent to collections. My credit has dropped over 100 points and gone from excellent to fair. I have transferred the balance to one of my own credit cards and am handling it myself, and hopefully my aunt will pay me. Is there anything I can do to get my excellent credit back?
Answer: Mistake #1. Co-signing for someone and not keeping track to make sure they were keeping up payments.
Mistake #2. Paying off the debt by transferring it to another card. Now that they have their money, you are going to find it extremely difficult to get them to help fix your credit.
The only way to remove the negative item from your credit report is for the creditor to do it. The only option you now have is call them up and explain what happened, and ask if they will remove the negative item from you history. Very little chance of that happening, but it’s your only hope.
The only other thing to do is keep up your good credit habits. Eventually it will improve, but it will be a few years.
Question: Financing a computer…I don’t have great credit but fair credit and need suggestions on where to go to finance a laptop.
Answer: I would suggest applying for a Best Buy card. You can use it for any kind of laptop and anything else, and it’s supposed to be fairly easy to get. Plus, you can get 0% financing for 18 months a lot of times.
But, if it’s your credit that’s messing you up, try cleaning your credit first. It takes 30 days and you would have a much better chance of getting a card anywhere.
Question: Is there a place or way to finance a computer with poor credit? Pcsforall.com?
I’ve been looking all over the internet to find a way to finance a computer but have been rejected by a few companies due to my student loans on my credit. Then I ran across pcsforall.com and read how they can give you a computer for just 3 months of payment before shipping out your product. I may try it, but I’m skeptical. Does this truly work or are there alternatives?
Answer: You could try bluehippo.com. They finance without a credit check. All you need is a checking account!
Question: Financing with a computer?
I’m considering buying/financing a new computer. Now I’m more interested in how the financing works more than getting the computer itself. The computer would cost 1175.93$ now it says interest does not occur for 18 months. The payments are 10$ or 1%, now I know at that rate I would be paying off forever. Over the 18 months paying at a rate of instead 2% would leave me with 744$ to pay off. Now interest occurs. I need to know how it works.
Answer: If you save up and pay cash for it, you don’t have to worry about the financing rates. You will also get it at cheaper. People spend between 12 – 18% more when financing studies show. Forget the financing. Pay cash. You’ll be much better off in life if you avoid debt and use money you already have. However the math indicates that if you want to pay it before 18 months you have to pay 65.33/month for 18 months. If you wait until interest starts you will be hit with every penny of interest from the date of purchase and end up paying a lot more than $1175.
Question: Where can I finance a computer with no credit?
I have no credit and want to buy a computer that I can make payments on. Anyone know of a site I can get one at?
Answer: Dell Computers offers a credit line. Low minimum payments – high interest. Easy to quality if you go on-line to the dell site and click “apply for dell preferred account’ (DPA).
Question: How often does Best Buy offer zero percent financing on computers?
I’m looking to get a mac laptop from bestbuy, but want to wait until one of their zero percent interest deals. Let me know what you know on this matter.
Answer: Everytime I have bought something over $200 they ask if I want the zero% interest for so many months, so I’m pretty sure it happens very often. Just call your local Best Buy and ask them. Go to bestbuy.com and at the top of the page there will be a store locator button, press it, punch in your zip code and they’ll give you the stores near you and the number.
Question: I want to buy a computer. What is the best route?
My credit pretty much bites. I am trying to make it better. I want to buy a computer and make payments but no one will finance me. Has anyone used Bluehippo, pc direct or computer financing? Whats my best route to go, and no I can’t pay cash.
Answer: Save up your money and buy from Costco (most brands are available) which have a 6 month return policy for any reason.
Question: Is it unwise to finance a computer?
I am looking into buying a Macbook Pro, but at $2500, its quite a bit of money to save for when there are financing options.
Answer: Other than a house you should never finance anything. Easy said but life will be very easy also if you do this. Get what you can afford, if you can not afford what you want then work harder, spend less and buy one with cash.
If not, then you can be all your friends with car loans, furniture loans, computer loans, vacation loans, school loans, and live the american dream with somebody elses money and your promise to pay it back.