We get it. Not everyone can have fantastic credit, and yours has taken its fair share of beatings. But you need a gaming PC for your computer needs, and your credit shouldn’t be stopping you from getting one. Maybe you’re looking to improve your Diablo 3 builds so you can dominate, but your computer is holding you back.
If this is the way you think, congrats – your stubborn nature has finally paid off. There are a number of ways you can get a no credit check gaming PC, so you can avoid the hassle and get the tech speed you need.
How to Get a No Credit Check Gaming PC
Getting you a new computer has never been easier, even with less-than-graceful credit. Read on to find out how you can take advantage of these amazing deals.
This is definitely one of the best ways to get a computer when your credit score is a little shoddy.
Rent-to-own gaming PC programs make it super convenient for anyone to get their hands on the gaming computer of their choice, regardless of their credit score.
In general, as the name implies, you can either rent out the computer for a short period of time or you can keep making payments on it until you officially own the merchandise.
The renting option works great for those who have good enough credit for a personal loan and aren’t looking to keep a set of keys, but most rent-to-own stores cater to the customers that either have poor credit or no credit history to speak of.
The concept is simple: the company sets you up with a lease on the computer that you have to pay over a specific period of time (usually between 12 and 24 months).
If you need the computer for a month, you can pay for a month. Need more time? Just pay for what you need, and if you want to own it you just keep paying until it’s yours.
Keep in mind that as you lease, you will be paying for interest, so the amount you end up paying will be different from the original price.
More importantly, you will sign a contract with the company for the set amount of time you need the item, and if you fail to make a payment they could actually take the computer back from you, so be careful and read before you sign.
That being said, you’ll be able to have the computer you need at the price that you can afford.
Buy Now, Pay Later Programs
This is a slightly different approach to gaming computer financing than the rent-to-own program.
With buy now, pay later stores you get to do exactly what they say you can: buy the product right off of them.
Now you might be thinking “What’s the point if I’m just paying for it myself?” The thing is, you’re not.
When you buy a computer through this store program, you are buying with retailer credit. This is basically like a credit card, except that it’s used specifically for in-store goods.
After buying the product, you usually will have a period of time where you won’t have to pay any interest while you’re paying back the store. You’ll want to pay as much off as you can in that time to avoid the high-interest rates that follow.
Overall, this is a pretty solid plan for anyone who wants to buy an item they need ASAP while also being able to build up a credit rep for themselves.
These are great for customers with really low credit scores, as almost all customers can get approved. If you are considering a payday loan online to pay for your computer, we would recommend searching for a buy now pay later program instead, as the interest rate will be much lower.
Financing Programs Directly from the Computer Brands
Financing through computer companies is a pretty rare thing to encounter; most of the time, it’s considered the responsibility of the middleman (AKA the stores) to do that.
However, there are a couple of computer companies that do offer financing.
Apple computers work their magic through the Barclaycard Visa with Apple Rewards. Through this option, you can get six, 12, or 18-month financing, with the option to earn Apple Rewards points each time you shop at Apple stores.
On the other hand, Dell runs its game through the Dell Preferred Account. Dell offers promotional financing offers as well as discounts on future buys.
What’s more, you can earn up to 10% back on purchases through their Loyalty Rewards program.
Both computer companies have a quick application process and a fast approval, so if you’re thinking about getting a computer from one of these guys, be sure to take them up on this offer.
However, in order to get approved, you’ll need to make sure you have a good credit score. If your credit score has suffered in the past, it might be better to look for a bad credit loan that you can then use to purchase your gaming PC.
Retailer financing is different from the “buy now, pay later” approach because it requires the buyer to join a program in order to purchase goods instead of just acting like a lender.
There are only a few places that offer retailer financing, and even fewer that do it without the buyer having to search for an online loan.
One of the most popular stores that do this is Best Buy. They offer the My Best Buy Credit Card which, depending on the price of the item bought, charges no interest from anywhere between 6 to 18 months.
Amazon is another store that offers retailer financing through their Amazon Prime Store Card. As the name implies, you have to join the Amazon Prime club (about $99 a year), but in return, you get access to sweet discounts on purchases.
At the end of the day, all of the options mentioned offer some unique abilities of their own, so it’s up to you to decide which way is the best for you – and your wallet.
Trust Bonsai Finance for Your Needs
Now that you know all of the options for no credit check gaming PC, it’s time to talk to the company that can best help you with your needs.
Have questions or concerns that you would like to talk to us about? Why not let us know? Our customer service is unparalleled, with answers to popular topics and other comments that are free to access.
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