any place to pay off prebuilts without having good credit?

[draven2]

my family has horrible credit (we are just now getting out of it) and im looking for a site that i can pay off a pc with without the need of good credit, is there any???? also im looking to pay off over months not weeks

[aisle9]

Do you absolutely need a PC right this second? Yes? Buy a surplus Optiplex 790 for $100, or a surplus ThinkPad T430 for about the same. Do you want a PC very badly? Save up for it. What you would be doing is opening a high interest line of credit that's going to end up increasing the price of any PC you buy by 20, 25, 30%, maybe more. Seriously, ask yourself how badly you need a PC you can't afford, so expensive that it requires a line of credit. Then go buy an old Optiplex because it can probably do everything you need it to--and Cyberpunk 2077 is not something you need unless you're a game dev.

 

/soapbox

 

Newegg has an option to let you buy now and pay later. I think Amazon, Target and Walmart do as well. Micro Center has a store card that gets you 5% off your purchase if you're blessed with one near you. Lots of websites will let you buy a computer with a store credit card, which is literally just a line of credit, but I must restate how incredibly terrible of an idea it is to go out and open up a high-interest line of credit so you can buy a computer.

[Biohazard777]

5 minutes ago, draven2 said:

my family has horrible credit (we are just now getting out of it) and im looking for a site that i can pay off a pc with without the need of good credit, is there any???? also im looking to pay off over months not weeks

Try a local loan shark. 

Jokes aside, just save up and then buy... especially with the current GPU prices, you are better of waiting for Q1 or Q2 of 2022 to buy a new GPU (even if you go with a pre-built).

[Morrie Sells Wigs]

On 8/22/2021 at 12:46 AM, draven2 said:

my family has horrible credit (we are just now getting out of it) and im looking for a site that i can pay off a pc with without the need of good credit, is there any???? also im looking to pay off over months not weeks

If you have bad credit no company is going to trust you enough to front you an expensive piece of hardware.

 

They just won't.

 

It's frustrating, believe me, I know. 

 

I've been in a similar situation myself in the past.

 

You have two choices;

 

1) save up

 

2) save up less and buy second hand 

 

Obviously, buying a refurbished pc has its own risks.