Not everybody has $400 or more to fork out for a new or reconditioned laptop at a moments notice. Since most of us rely so heavily on our laptops it is great to know that you can get financing pretty quickly these days to get you back up and running.
If you know you are going to need a new laptop in the future or are just wanting to upgrade then there are a few things you can set up in advance before you start shopping. Check out your credit rating to make sure you are in good standing so you have some idea as to whether you will be approved for financing.
If there are problems on your report such as late payments; see about making timely payments for the minimum amount for a couple of months to get a better credit score. There may also be errors that can be cleared up giving you a better rating. Knowing if your credit score is in good standing before you begin shopping will help you determine whether you can spend any extra money for a better laptop or maybe have to settle for a lower cost unit to get by.
Comparison shop for the best deals and locate the store where you want to get financing. Many computer stores offer financing through their company such as Best Buy, Circuit City, Radio Shack or Office Depot. Call the store where you want to finance and discuss how their financing works, what interest rates they offer and what the payments would be.
Selecting a new computer is a lot easier to do when you know in advance what amount of money the electronics store is willing to finance you. Nothing says that you have to accept the first financing that is offered and most stores do offer different deals; find the deal that works for you.
Rent-to-own works for people that have yet to establish credit. You make monthly payments and you get the laptop when it is paid off. You do not get the laptop upfront but you will eventually get it and begin to establish a good credit rating.
Laptop financing can be done using introductory credit card offers with low interest for 6 to 12 months. There are a variety of creative sources for financing; take the time to find the one that works best for you.