You have bad credit but you need to get a new laptop fast and you don’t have money to get one now. Whether its for school or a new job, laptops you’ll need one in order to be successful. You can use a variety of different payments and methods to get a laptop, but unfortunately bad credit does make it tougher.
To find the best way to pay for your laptop with bad credit, you need to start now. There are many different ways you can get laptop financing. For example, a lot of retailers provide layaway programs (definitely not a fast solution) or interest free credit cards. You also have the option to get a personal loan from a credit union or bank. There are also plenty of websites that are more than willing to start a payment plan with you. Just like a credit card, you buy the laptop with credit and make payments towards the principle and interest.
Even if you have bad credit, there are quite a few merchants that will give you a credit card to help you buy the laptop. While sometimes your initial balance can be a bit low, it usually is enough to get you the laptop you need fast. If you don’t want to go with a normal retailer like Best Buy, you can also get a credit card from a variety of credit unions and banks. With some smart shopping, you’ll be able to find a card that has low interest and 0 finance fees (even if you have bad credit). Don’t go with the first credit card offered you, but instead, look at all your options. Once you get your credit card, make sure you make all payments on time and above the minimum amount required. That way you can get out of debt as soon as possible and increase your credit rating.
If you tend to make poor financial decisions, a laptop layaway program may be the right choice for getting a new laptop. While this definitely isn’t the fast method for securing a laptop, it’s for sure the safest. Basically what happens while on a layaway program is you find a laptop that you’re interested in and have the retailer set it aside. Once chosen, you make payments on it. When you have the laptop finally paid off, you’re able to take it home to use it. The major perk with this plan is you don’t have to worry about getting into debt like you would with a credit card. Plus, you never have to pay interest with layaway.
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Bad credit doesn’t stop you from going to you local credit union and getting a small personal loan. Many financial institutions offer loans to people seeking a new laptop computer. The way that you’re able to get a loan from any bank or credit union is that you must show that you’re able to afford the loan. Even with a bad credit rating, they’ll loan you money if you can prove that you’re more than able to make the payments every month. What they’ll do is look at your existing credit score, your reliability with your existing debt, and then see what you current income is. If your debt payments (rent included) is under a certain percentage of your total income, they’ll loan you the money you need to get your computer fast.
Regardless of what way you’re planning on paying for your laptop, you should start right now to get the best deals. Don’t just go with the first loan or credit card you see, but instead look online and locally and talk to as many lenders as possible. Shopping around can save you a lot of cash which can use for other more important things.
Before you make any decisions when purchasing a laptop with bad credit, you should review these two articles written by the author: one is about loans for bad credit and the other is about cheap laptop computers.