How to Buy a Laptop Computer With Bad Credit

Written by tony smith
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How to Buy a Laptop Computer With Bad Credit
A happy laptop user. (Hemera Technologies/AbleStock.com/Getty Images)

You can buy a laptop with bad credit. However, there are many different ways to finance your laptop purchase. You should carefully investigate the pros and cons of each one before you sign any contracts or make a legally binding commitment.

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Rent-To-Own

Companies like Aarons, ColorTyme and Rent-A-Center have less strict credit guidelines than banks and will let you purchase a laptop by making weekly payments. However, they charge a very high interest rate and do not usually carry the latest models.

Layaway

Many retail chains like Sears and K-Mart offer layaway programs if you can make the required down payment and make regularly scheduled payments. This requires that you pay off your laptop relatively quickly, usually within 60 days. Layaway programs charge a very small fee compared to the high interest rate charged by other bad credit lenders.

Online Financing

Companies like My Computer Club and Solutions Plus 2000 offer laptop financing to people with bad credit. Some companies are not reputable and should be investigated first. Visit the link in the Resources section to check a company’s Better Business Bureau history.

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