Having bad credit can affect you in many ways. You are not as likely to be qualified for large loans, you're not as likely to be accepted as a tenant for lease properties, and you're unlikely to receive any type of approval for funding.
In Techoko, we do not believe that credit is the only factor which should determine whether you receive financing.
Why? We understand that while it's actually easy to fall into bad credit, it's incredibly tough to increase your credit once it has fallen -- even if you're financially responsible enough to make payments.
At Techoko, we've partnered with Acima Credit to supply all our clients with laptop financing with no credit checks involved. Rather, Acima will only need some basic information and then you may start looking for your new refurbished notebook.
Computer Financing Options
In case you've got a good or average credit score, you've got plenty loan and financing options available to you.
Online lenders, banks, and credit card companies are delighted to fund customers with good credit. But if you have bad credit, it can be tricky to discover a loan with a decent rate of interest. Some lenders may require a co-signer or loads of paperwork for you to receive a loan.
Lease-to-own financing is a good alternative for anybody who wants a computer, notebook, or tablet computer but has bad credit or no credit. Lease-to-own suppliers, like Snap Finance, have distinct approval criteria that allows them consider more than just your credit rating.
This makes lease-to-own among the most flexible and available options finance a laptop with bad credit score out there for poor credit customers.
If you want to find out more about other bad credit financing options, take a look at our Beginner's Guide to Financing With Bad Credit.
Choosing the best computer type for you
You need a computer using the power and features to do what you will need to do. There are 3 main types to consider:
Desktop
A desktop computer is designed to remain in 1 spot and usually includes a screen, keyboard, mouse, and a horizontal or vertical tower.
While a desktop does not give the portability of a notebook, their larger size allows more room for upgrades and improved graphics, which makes them popular with players. And from a budget standpoint, a desktop will usually cost less to buy than a notebook.
In the desktop world, you will find gaming PCs which are specially designed to deal with the high impact graphics and processing demands essential to keep up with the requirements of computer games. Another alternative is an all-in-one PC.
This desktop version removes the need for a tower by combining the personal computer parts and monitor into a single piece. This provides a sleeker, more minimal experience, but you might be limited in your ability to update memory or storage space.
Laptop
A laptop computer provides mobility and convenience, which makes it ideal for students and people on the go.
Laptops use less electricity than a desktop computer, giving them an environmental benefit. As well as their compact size requires less space, letting you set up office in the school library, kitchen table, or living room sofa.
Full-featured laptops are normally more expensive than their desktop counterparts and are larger financial investments.
A popular trend in computers is a 2-in-1 notebook, which is a notebook and tablet morphed into a single device. It provides a touch screen, but with an expanded keyboard and the flexibility of multiple display configurations.
Tablet
If you don't require the entire functionality of a notebook, but prefer something larger than a smartphone, look at a tablet. These lightweight, compact computers have touchscreens, and several offer the choice of a removable keyboard.
Tablet screen sizes vary from 6 to 18 inches, so if you want it for reading, media, or games for your kids, there is a dimension that will work for you.
Below, we'll discuss ways to go about computer financing with bad credit. Keep on reading to find out more.
Step 1 : Find a Laptop that you like
So you have decided that now is the time to get a laptop. As opposed to purchasing a brand new laptop for upwards of $1,500, you ended up stumbling upon our large stock of refurbished notebooks.
As you browse through our inventory of refurbished laptops, think about what sort of work you'll be using the notebook for and search for the features you'll need. If at any point in the procedure you have any queries or concerns, just contact a member of our staff via our internet chat or simply by calling our shop.
Step 2 : Apply For Financing
As soon as you've determined what refurbished notebook meets your requirements, it's time to apply for funding through Acima Credit -- something which you can do from our site by filling out this program .
As marketed, you won't have to enter your existing credit or your credit history. Rather, Acima Credit will examine your simplest bank info and your monthly income to find out whether you are qualified for financing.
Step 3 : Wait for Approval
As soon as you've submitted your financing program, all you've got to do is wait for a reply from Acima Credit. While doing so might look to be a long, nerve-wracking encounter, Acima Credit uses a proprietary technology that can analyze and approve your application immediately upon entry.
Step 4 : Choose a payment option & buy
The last step of the method is to select your payment option and purchase the refurbished laptop that you've had your eye on.
Payment options:
- Weekly
- Bi-weekly
- Twice monthly
- Monthly
As soon as you opt for a payment plan and get the cash, visit our refurbished notebook store to buy and pick up your new notebook!
Techoko : The home of laptops on finance with no credit check
For those who have bad credit but need a new notebook, we recommend you to come see us at Techoko. We've got a large choice of high-quality reconditioned laptops available and would be pleased to assist you discover the ideal laptop for your special needs.
FAQ's about computer & laptop financing with bad credit
We have answers to the most frequent questions about poor credit computer financing. Continue reading to find out more!
Can you finance a computer with bad credit?
Yes. You might not have as many financing options available to you as someone with good or outstanding credit, but lease-to-own financing is yet another accessible likelihood which could help you get home the computer, notebook, or tablet you require.
Is financing a computer is bad idea?
Funding anything can be a bad idea if you go into it without thinking. A difficult guideline is that you shouldn't fund a computer purchase if you are not able to create your payments. Do not set yourself up for stress and failure simply because you want it today.
For those confident in following through on their agreement, funding a computer can be a great way to split a single big investment into multiple cheap payments.
Where can I finance a computer with bad credit?
Calling about and asking your local electronics stores about their funding options is 1 means to do it. Or you can quickly and easily apply online for Snap's lease-to-own financing. As soon as you've been accepted, you can look for Snap-affiliated stores in your area and get what you want straight away.
Need to finance a pc or notebook buy? Snap's simple lease-to-own financing can help you get exactly what you want -- all credit histories welcome! Applying is quick and easy. Only click here to begin.
When you have any queries, please do not hesitate to contact us now .
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