There are various options available if you need to buy a computer and have bad credit. For instance you could ask a friend or family member to co sign for you. If that option
is not available and even though your credit may not be great, there are companies out there where you can buy a computer with bad credit and we have listed and reviewed them below.
Aaron's and Rent-A-Center are two effective alternatives for people with limited financing options due to less than perfect credit or no credit at all to buy a computer. They have brand name desktops and laptop computers available on an easy to manage payment plan. How it works is that you lease the equipment with payments being made every week, bi-weekly or monthly. These payments continue for a period of 12-24 months. Once the final payment is made the computer is yours to keep. If at anytime during the lease you don't want or need the computer anymore you can return it and you will then stopped being billed. They claim they have financing for individuals looking to buy a computer with bad credit (No Credit Check Required) and the only requirements is steady employment with satisfactory income and be over the age of 18.
Another financing alternative or otherwise referred to as Flex Pay, is a great way to purchase laptops, net books and computers without breaking your budget. Flex Pay is really quite simple, and is offered from HSN.com and QVC.com at no extra charge. Choose the Flex Pay option, and the cost of your purchase is divided into as many as five equal monthly payments that is billed to one of your current major credit cards. The process is simple and most consumers are easily approved with no credit check required. This gives consumers with bad or no credit who are in need of a computer a excellent financing alternative as long as they have a valid major credit card (such as a check card).
Finally, if you are in no hurry to get a new computer there are layaway programs available at both Sears and Kmart which allows you to deposit a small upfront payment and then you can make affordable bi-weekly payments for as long as 90 days. After you made your final payment you can then pick up your new computer. There are no interest charges for these programs except for a small layaway fee. If you decide you no longer want the computer during your scheduled payments period, they will refund your money. Another company that offers layaway for computers is Best Buy which is offered by their participating stores. Just bring your computer to Customer Service and make a 25% down payment plus a 5% nonrefundable layaway fee. Then you will have to make a payment every 2 weeks until your balance is paid in full and you will be free to take the computer home to use and enjoy.
Although, we do not sponsor any company listed in this article, we do like to keep our readers informed who have bad credit with various financing options.
Disclaimer: The above information was written in good faith but we can not guarantee accuracy and that you will be approved for financing. Their credit criteria is subject to change at any time. Please contact the appropriate company for current bad credit offers on computers. To report errors or inaccuracies, please email us at [email protected]