It wasn’t so long ago when financing a computer with bad
credit was next to impossible. The option for people with
bad credit was to put a computer on layaway. Of course you
could always rent to own a computer, but how many people
used it before you? If you did rent to own a computer you
would have paid up to four times the retail value.
It took awhile, but financing companies are finally starting
to realize that not all people with bad credit are unable to
afford payments on new products and services. There are many
variables that can bring one’s credit rating down such as
bankruptcy or divorce. It’s not always as simple as failure
to pay.
In todays world it is easy to get your computer financed
with bad credit and no credit check if you know where to go.
There are even a couple of different payment options. This
is because there are people who would prefer to put money
down in exchange for a lower monthly payment, and others who
prefer a no money down option.
Some let you put a laptop or desktop computer on what is
referred to as layaway. Though similar, it really isn’t true
layaway because you get to have your computer before it’s
fully paid for. When you put a computer on layaway like
this, what you’re really doing is showing the financing
company you can be trusted to make your payments. Normally
you’ll make payments for a few months before your computer
is shipped.
To get your computer financed with bad credit, no credit, or
without a credit check, you’ll still need a valid checking
account in most cases. This is to your benefit since you can
actually make payments using your checking account and you
don’t need a credit card. Some computer financing companies
will even help you get a prepaid credit card.
Just remember, when you put a PC on layaway through a retail
outlet, you’ll have to pay in full in about 90 days. If you
rent to own a PC you’re going to be over charged in a big
way, and chances are the computer has already been used
before. When you go through a financing company, your PC
will be brand new, out of the box.
If you can afford a good down payment on a computer, that
would be your best option since you can get your new
computer right away, and the payments aren’t that much
higher than if you would have had good credit. When you
can’t afford a sizeable down payment, the best thing you can
do is make extra payments when you can so you’ll get your PC
sooner.
Bad credit computer financing makes it possible for just
about anyone with an income to get a computer without the
hassle of a true layaway deadline or being overcharged by a
rent to own company. Not to mention, many of these companies
offer name brand desktop and laptop computers like DELL, and
in the end, only you know what payment option best suites
your needs.
By: Daymon Hoag
Posts Tagged ‘Desktop Computer’
Top 10 Best Desktop Computers
March 18th, 2010
If you are in the market for a new desktop computer, you know that the number of choices available is staggering. We know how difficult it can be to wade through all of the information, so we have put together a list of the Top 10 best desktop computers. This list should give you a better idea of the type of computer you want, while giving you a broad range of companies to select from. So, without further ado, let’s check out the computers that make the grade.
#10 – Lenovo 3000 J Series: These computers are geared towards families, and they combine the power of AMD 64 processors with the function of a 250MB Hard Drive. Priced at less than $800, these systems clock in as a real crowd pleaser.
#9 – Fujitsu Esprimo C: This is one of the smallest desktops available on the market, and it is also one of the sleekest. These machines can be tailored to your individual needs, and will not disappoint.
#8 – Alienware Area 51 Series: These great looking machines offer unparalleled performance to even the most serious game enthusiasts. The graphics and sound capabilities coupled with the speed of Intel 4 processing make this a must have for those who want a desktop that entertains.
#7 – emachines D5039: Hands down, this desktop is the best value on the market. Emachines is a well repected PC company that has the family in mind, and does a great job of offering amazing products at unbeatable prices. This unit contains everything you need to get started – definitely worth a look (or two!).
#6 – Sony Vaio RB60: This desktop from Sony comes bundled with a lot of cool Sony software, and it also comes equipped with a 17″ LCD display. This is a perfect choice for those wanting a great entertainment PC that also handles work and internet. This product is definitely a solid choice.
#5 – Compaq Presario Series: These computers are very affordable and very reliable. Compaq Presario desktops are the perfect choice for families, and come standard with everything you need to instantly start surfing the web.
#4 – HP Pavilion Series: A much underrated desktop line, the HP Pavilion series features dual core processors, which make multi-tasking a breeze. They also offer easy memory expansion as well as some of the sharpest graphic and sound cards in the business.
#3 – Apple iMac: When it comes to music and video capabilities, the Apple iMac desktop is second to none. Macs are quickly gaining steam in the computer race, and with good reason. You won’t be sorry giving this one a try.
#2 – Gateway DX310 Series: Dual core processors mean this unit is just as fast as other higher priced competitors. Gateway offers amazing customer support, and also has some of the most generous rebate offers in the business. In addition, they make it very easy to earn free upgrades. Do yourself a favor and give Gateway a look.
#1 – Dell XPS 400: This computer tops our list for many reasons. The only thing you need to know is that it look great, it runs amazingly fast (and quiet), and it comes bundled with a 19″flat screen monitor. All of this for under $1000 makes the Dell XPS one sweet deal.
This list of the Top 10 best desktop computers should make buying your next computer a quick and painless process. In fact, considering how great these desktop computers are, you might just find yourself wanting to take more than one home! Have fun!
By: Jo Williams