No Credit Check Computers

It is possible to buy a laptop with no credit check. Computers are available under at least two models.

There is a traditional "rent to buy" model. You sign a rent/purchase agreement, pay a deposit, and make regular rental payments.

The other model you see is like a traditional lay away plan. You choose your laptop. No credit check is done, but you are required to make six to 13 payments before you have any hope of seeing the computer. Then there is no credit check and computer financing may be given for the remainder of your balance and the computer is shipped.

While there is laptop financing -- no credit check, there are requirements. Generally you have to show income and employment. You need to have a bank account--usually a checking account. Your payments for the lay away like plans will be taken directly from your bank account.

They don't guarantee that you will get no credit check computer financing-- they say after your 6 (or 7 bi-weekly) to 13 (weekly) payments they may finance the remainder of what you owe. One of the companies I looked at that does this kind of financing required pay stubs (because they have a minimum income requirement) and utility bills. You would need to be sure you meet any of these requirements before you start paying.

PROS

• You get a laptop.

CONS

• The laptop you get is a three month old model.
• You don't get the best or maybe even a good price on the laptop. I have seen prices for the same laptop computers higher than these list prices, though.
• I haven't used them and don't KNOW, but I imagine the interest rate you pay is very high.

While this is not the way I would go, getting a laptop - no credit check, is possible and can be considered if you need to. Be careful though.

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