Bad Credit Computer Financing

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If you are in need of a desktop or laptop computer, there are bad credit computer financing available, but will come with a higher than normal annual interest rate.

BlueHippo.com is one source for bad credit computer financing with less than perfect credit or no credit at all to buy a computer. The have brand name desktops and laptop computers available on an easy to manage payment plan. How it works is you make a one-time initial payment and 52 weeks of layaway payments. Once you have paid as agreed for 6 consecutive weeks, they will offer to finance the balance of your purchase price and order and ship the computer to you. They claim they have guaranteed financing for individuals looking to buy a computer with bad credit with no credit check.


Another source is Pc Direct, which is located on-line at computerfinancing.net. In order to get approved with them, you must gross at least $1300 monthly, have a Experian credit score above 530, and you must have a checking/savings account or a credit/debit card in your name as the monthly installments must be debited from one of these.

You can also rent to own a computer from retail stores such as Rent A Center and Aarons. They both have no credit check financing available with weekly or biweekly installment payments available.

If at all possible try to get a friend or family member to co-sign. Another option is to find a second hand computer in the paper, which could save you a great deal of money between the price of a similar new computer and the finance charges. Public computers are also available with high speed internet access at your local library that are free to use. This could allow you to save up for a new computer while still being able to have access to one.

Did You Know? The Equal Credit Opportunity Act prohibits discrimination against loan applicants based on race, sex, age (provided that the applicant is eligible to enter into a binding contract), marital status, religion, national origin or receipt of various types of government assistance. The Truth in Lending Act requires creditors to give consumers information about the Annual Percentage Rates and other costs of a credit card or loan.