Laptop Financing for Newbies

Everyone wants a new laptop these days, and in this economy, that means a lot of people are looking for laptop financing. How much you try to get approved for really depends on what type of laptop you want to buy. There are basic hardware models out there available for around $300.00, such as the ones built by Acer. Most of these can be picked up at Wal-Mart and put on any credit card, even if your credit limit is low. However, if you or the person you are buying for wants the best in gaming, publishing, or artistic software, you will need a more expensive model.

If you are in the market for one of the less expensive models and still need to find financing, try going with a discount electronics dealer that offers their own financing and payment plans, such as Tiger Direct or ElectroGear.net. Doing a quick search on the internet should bring up a ton of these to choose from. You can then evaluate those results to see which company has the best plan to fit your budget.

Additionally, there is several rent to own retailers online, such as PayAsYouGoElectronics.com. Most rent to own retailers are going to offer more popular brand name laptops that may not be available at some of the discount electronics dealers. If you have a low credit score, then going with a rent to own company may be one of your only options.

The other would be going with an independent financer that guarantees approval with any credit history, such as ElectroGear.net. A similar financer that seems to be growing in popularity is Blue Hippo. There are also companies that specifically offer financing for computers, and some specifically for laptops, such as laptopsnocreditcheck.com.  Be careful if you are thinking about getting Blue Hippo computers, the company has had a lot of recent bad publicity. If you are a student or veteran you will have even more options like this and those options may be through more credible sources and offer better terms on financing.

When looking for laptop financing, or any financing for that matter, the key to getting the best deal is to shop around. First, shop around for the laptops that will meet your technical needs and fit your budget. When you have narrowed down these options, then you can check out different retailers and their financing options. One retailer may not have the exact laptop you wanted but they may offer a better credit deal than a company that has the one you want. Some places are willing to bargain just to get your business, even if they do not advertise it.

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