Written by: Logan Ladnyk
Edited by: Lillian Guevara-Castro
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More Americans own laptops today than medieval men owned swords. But how can you get one if your credit score looks like it belongs in the Dark Ages?
You’ve got a few options, and we’ll get into a variety of ways you can afford one. Keep reading for our list of possible ways to secure laptop financing, even with bad credit, from an array of loans to store financing and lease-to-own options.
Personal Loans | Store-Specific Financing | Lease-to-Own
Get a Personal Loan (Options 1 – 5)
Instead of financing a laptop specifically, you could opt for a personal loan and then buy the laptop outright. The five lenders below have been reviewed by the BadCredit team and have received 3 out of 5 stars or higher and offer short or long-term personal loans that will allow you to pay off your new purchase over time.
- Personal loans from $500 to $35,000
- All credit types are considered and welcome
- Simple, no credit impact form
- Helping consumers since 2001
- 4.7 out of 5 Trustpilot rating with 2,000+ reviews!
- See official site, terms, and details.
| Loan Amount | Interest Rate | Loan Term | Loan Example |
|---|---|---|---|
| $500 to $35,000 | 5.99% - 35.99% | 60 Days to 72 Months | See representative example |
2. MoneyMutual
- Short-term loans up to $5,000
- Online marketplace of lenders
- Funds available in as few as 24 hours
- Simple online form takes less than 5 minutes
- Trusted by more than 2 million customers
- See official site, terms, and details.
| Loan Amount | Interest Rate | Loan Term | Loan Example |
|---|---|---|---|
| Up to $5,000 | Varies | Varies | See representative example |
- Small personal loans starting at $100
- Receive an approval decision in as little as 2 minutes
- Funds can be deposited into your account in one business day and used for any purpose
- No hidden fees
- See official site, terms, and details.
| Loan Amount | Interest Rate | Loan Term | Loan Example |
|---|---|---|---|
| $100 to $20,000 | Varies | Varies | See representative example |
4. Avant
- Personal loans of $2,000 to $35,000
- Compare rates in 2 minutes without affecting your credit
- Best for low origination fees for bad credit
- 550 minimum credit score required
- Powered by Credible
- See official site, terms, and details.
| Loan Amount | Interest Rate | Loan Term | Loan Example |
|---|---|---|---|
| $2,000 to $35,000 | 9.95% - 35.99% | 12 to 60 Months | See representative example |
5. Upstart
- Personal loans starting at $1,000
- Find loans you prequalify for, complete your application, and close your loan
- Loans for 300+ FICO Scores
- Checking rates doesn't impact your credit score
- Powered by Credible
- See official site, terms, and details.
| Loan Amount | Interest Rate | Loan Term | Loan Example |
|---|---|---|---|
| $1,000 to $50,000 | 6.49% - 35.99% | 1 to 5 Years | See representative example |
The application process for a personal loan from these lenders can be completed online in about five minutes, and you can see whether you qualify without hurting your credit.
Store-Specific Credit and Payment Plans (Options 6-9)
These can be from any sort of retailer. Usually, they come with offers such as no interest for a few months when spending over a certain amount. These five retailers all have a credit card that you might consider applying for and using.
- Office Depot’s Personal Credit Account
- Best Buy’s credit card
- Amazon.com Store Card
- Target’s Circle™ Card
Best Buy’s credit card could result in interest-free financing for 12 months.
However, when you have bad credit, these are less probable options. There’s an approval process, and only applicants with fair to good credit will be approved. You might get one despite this, though. And hey, applying for and getting a store-based credit card can be the first step to improving your credit score.
Lease-to-Ownership Services (Options 10 – 13)
Lease-to-ownership services function by allowing people to essentially rent products, in this case a laptop, and let those rental payments go toward owning the rented item. By making weekly or monthly payments for one to three years, you’ll be able to use a laptop while paying it off (kind of like a car payment).
Listed below are five notable lease-to-ownership services:
LeaseVille offers laptops and accessories with payment plans that can work for anyone.
Services like these help those with no, little or bad credit keep up with people who’ve been lucky enough to avoid financial issues, but if you go this route, you’ll be paying more than double the retail price of the laptop before you actually own it.
The laptop you always wanted is out there. You just have to go get it.
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