5 of the Best Laptop Payment Plans Available and How to Apply

If you need a new laptop and you are strapped for cash to pay for it, check out these great laptop payment plans available, and how to apply.

Laptops are an essential piece of equipment these days. They can be the perfect study-buddy for students and the go-to device for entrepreneurs.

Everyone understands the need for it, but many are hesitant because of the jaw-dropping price tag that comes with it.

For that reason, it’s wise to educate yourself on the many different payment plans that are out there for you. That way you can find a payment plan that fits into your budget and pay it off comfortably in your own time.

Here is a list of the best laptop payment plan options for you to finally purchase the device you’ve had your eyes on.

  1. Best Buy

Being the go-to tech device store for many Americans, Best Buy offers financing options on many of the higher-priced products that they sell.

Not only that, but they offer 2 separate plans for you to pay off on your own time. It allows you the flexibility of getting the device in your hands that much sooner.

They offer a 6-month and 12-month financing option for you to choose from. Odds are that the laptop you’re interested in will exceed their minimum price requirements ($199 for 6-month PP, $399 for 12-month PP).

Like many others below, Best Buy’s payment plan offers no interest on the initial payment period for whichever option you choose.

For example, if you were to choose the 6-month payment plan, then no interest would be applied if you pay it off within 6 months.

If you aren’t able to pay it off in that time, then there will be an APR applied which is determined by your credit score.

Simply follow their guidelines for maximizing their payment plan and you’ll get the laptop you need with no additional interest being paid!

  1. Apple

Some people have their eyes only on a MacBook, which is understandable! If that’s you, then what better way to purchase it than from the brand itself?

Apple is more than willing to help you out, giving you a payment plan option that doesn’t require a check on your current credit score.

Much like Best Buy, Apple merely wants to supply you with options on how to get the laptop you want faster. They’re not looking to make any extra money in the process.

If you need proof, then look no further than their rent to own plan. It allows you to receive your desired MacBook for free and pay it off later. You can decide to pay it off with a 12-month or 24-month payment plan.

To apply, simply visit an Apple store, fill out the application form in-store, and provide the necessary personal information (identification number and address).

While you won’t technically own the laptop until you pay it off at the duration of your plan, that won’t be a sweat for those that pay it off diligently.

The best part is that you’ll have it to use for your schoolwork, spreadsheets, filling out a pay stub template, and whatever other use you might have for it!

  1. Dell

Some of you reading this might only be interested in finding a laptop that you can use for gaming. If so, then Dell offers financing options for Alienware, one of the best gaming laptops in the game (pun intended)!

Even if you’re not into gaming, they also offer payment plans for their entire line that includes Inspiron and XPS as well.

If your desired laptop runs over $599, it qualifies for the 6-month plan. If it runs over $899, then it qualifies for both the 6-month and 12-month payment plan. Both offer zero interest as long as you pay it off within that span.

If you aren’t able to do so, then there will be interest that accrues. The interest will range between a 19-percent and 29-percent APR that Dell determines off your credit score.

Still, this is your chance to get your hands on one of the most reliable laptop brands in the business. As long as you meet the payments and set yourself up with the right plan, you have nothing to worry about!

  1. HP

Yet another high-quality laptop provider with years of experience in offering client-friendly payment plans.

HP is happy to assist any qualified customer with a payment plan on their fleet of laptops. They don’t depend on a credit check in order to set the terms, so you can be in and out of the store with your new laptop in no time!

Like the others on this list, they don’t offer any interest on the payment plans as long as you pay it off within the agreed amount of time.

However, if your payment is late, there will be a late charge, so be sure to stay on schedule with your payments to dodge the additional fees.

  1. Amazon

Many online shoppers are familiar with Amazon’s budget-friendly payment plans for specialized products, and laptops are certainly no different.

The only requirement is that, in order to receive the payment plan, you need to possess an Amazon store card.

They offer a 6-month payment plan for laptops over $149 and a 12-month payment plan for laptops over $599. As long as you pay it off within that agreed amount of time, there won’t be any additional interest.

Find the Best Laptop Payment Plan for Your Situation!

Now that you’ve seen a bevy of laptop payment plan options, it’s time to find the best fit for your needs.

If you have a preferred company that you’d rather do business with, start there and see if they can offer you what you’re looking for.

Be sure to browse our website for more articles on tech purchases, as well as many other helpful topics!