Best Finance Options For Laptops

Best finance options for laptops

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More Americans own laptops today than medieval men owned swords.

Best finance options for laptops

But how can you get one if your credit score looks like it belongs in the Dark Ages?

You’ve got a few options, and we’ll get into a variety of ways you can afford one. Keep reading for our list of possible ways to secure laptop financing, even with bad credit, from an array of loans to store financing and lease-to-own options.

Installment Loans | Short-Term Loans | Store-Specific Financing | Lease-to-Own

Instead of financing a laptop specifically, you could opt for a personal loan and then buy the laptop outright.

Best finance options for laptops

The three lenders below have been reviewed by the BadCredit team and have received 3 out of 5 stars or higher and offer long-term personal loans that will allow you to pay off your new purchase over time.

Loan AmountInterest RateLoan TermLoan Example
Up to $2,500VariesVaries

See representative example

Loan AmountInterest RateLoan TermLoan Example
$500 to $10,0005.99% - 35.99%3 to 72 Months

See representative example

Loan AmountInterest RateLoan TermLoan Example
$250 to $5,000VariesVaries

See representative example

The application process for a personal loan from these lenders can be completed online in about five minutes.

If you only need a short time to repay the cost of your new machine, check out these top-rated lenders offering short-term personal loans.

Loan AmountInterest RateLoan TermLoan Example
$100 to $1,000200% - 2,290%Varies

See representative example

Loan AmountInterest RateLoan TermLoan Example
Up to $2,500VariesVaries

See representative example

As with the long-term loans, applications with these lenders can be completed in minutes through their websites.

These can be from any sort of retailer.

Usually they come with offers such as no interest for a few months when spending over a certain amount.

Best finance options for laptops

These five retailers all have a credit card that you might consider applying for and using.

  1. Office Depot’s Personal Credit Account
  2. Best Buy’s credit card
  3. Amazon.com Store Card
  4. Target’s REDcard
  5. Walmart’s credit card

Best Buy’s credit card could result in interest-free financing for 12 months.

However, when you have bad credit, these are less probable options.

There’s an approval process, and only applicants with fair to good credit will be approved.

Best finance options for laptops

You might get one despite this, though. And hey, applying for and getting a store-based credit card can be the first step to improving your credit score.

Lease-to-ownership services function by allowing people to essentially rent products, in this case a laptop, and let those rental payments go toward owning the rented item.

By making weekly or monthly payments for one to three years, you’ll be able to use a laptop while paying it off (kind of like a car payment).

Listed below are five notable lease-to-ownership services:

  1. FlexShopper
  2. Aaron’s
  3. Rent-A-Center
  4. LeaseVille No Credit
  5. Abt

LeaseVille offers laptops and accessories with payment plans that can work for anyone.

Services like these help those with no, little or bad credit keep up with people who’ve been lucky enough to avoid financial issues, but if you go this route, you’ll be paying more than double the retail price of the laptop before you actually own it.

The laptop you always wanted is out there.

Best finance options for laptops

You just have to go get it.

Photo sources: personalloans.com, bestbuy.com, leasevillenocredit.com