How to Finance Notebook Computers for Bad Credit

Having bad credit will make it harder to finance a notebook computer. However, it is not impossible to purchase the computer of your choice even if you do not have enough cash to pay for it. Consumers who are concerned about their sub-par credit have the opportunity to buy without their actual credit being pulled to complete the transaction. If you locate companies who specialize in these types of situations, you can check your e-mail, surf the Internet, and create documents using your new notebook computer.

Instructions

1

Buy a notebook computer with the assistance of an online computer club. Locate computer club websites online which cater to computer buyers who have bad credit. Understand that while your credit will not be looked at by the company, you will need to be employed and earn a certain amount of money each month in order to qualify for these programs. Be sure to have proof of income available before you contact the computer club so they can verify your salary. Pick a club which has a low sum of money that needs to be put down to finance the transaction, low monthly payment plans, and has the ability to report your good payment status to the credit bureaus so you can improve your credit.

2

Borrow money from a friend or family member. Create a written agreement which states when the loan will be paid back, the exact amount which will be paid monthly, and the length of the loan agreement. Treat this loan as you would a loan which has been issued by a major financial institution, and do not default on your payment obligations.

3

Apply for a credit card at a store which sells computers. Travel to a business which has computers for sale. Ask them if they offer credit which is specific to their store because you want to buy a notebook computer. Keep in mind that stores which offer credit in this manner charge high rates of interest, and these types of credit cards can only be used in the stores where they are issued.