How to Buy A Laptop With No Deposit
- 1). Find a local rent-to-own store that doesn't require a deposit. Some stores might wave the deposit on a contingency, such as good credit, while others may drop the deposit requirement in return for higher interest charges or monthly rates. You may end up paying more than the laptop is worth in the long run, so calculate the total cost, including interest charges, then consider whether or not it is better to save up money for a deposit instead.
- 2). Consult with retail computer stores and ask them about delayed payments or a payment plan with no deposit. You will still have to pay the first month's payment at the time of purchase, but, much like with a rent-to-own store, you may be able to substitute the deposit with higher monthly prices or interest.
- 3). Consult with your bank about a credit program that allows you to buy an item and pay your bank back monthly. If your bank doesn't offer such a program, consider paying for the entire laptop upfront with a credit card, then paying your credit card off over a few months. This method will result in interest charges as well as the credit amount, increasing the overall cost of the laptop, but it allows you to avoid making a deposit.
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