Laptop layaway plans are one of the latest ways you could finance your next laptop purchase. So how do you go about it? By now, you have probably considered the exact laptop that you want, the specifications, the model, the software and the operating system.
Although different companies come up with different options, a laptop layaway plan is done through the following steps:
1. The buyer purchases his laptop along with his specifications.
2. The store makes him sign some documents and he would also be informed of the requirements and procedures of the laptop layaway plan.
3. He would be required to make an initial deposit and to make several fixed deposits thereafter every month.
4. Depending on the terms, he may get his laptop most likely on the 4th of 5th month of his payment. Which means he gets to use his laptop already for just a fraction of the original cost.
5. He continues paying the fixed amount per month and gets to "own" the laptop after completing his payments.
With these steps in mind, one should then review his financial status. Do you have a stable job to finance your purchase? While some companies may not be so strict with your credit history they would of course like to know your capacity to pay regularly. If, however, you seem to have problems purchasing laptops with bad credit, it may be helpful to try other options.
One way is to search for companies who cater to those with bad credit. They may offer a higher rate in exchange for their service. Some ask for stocks/bonds in exchange while others also ask for a guarantor.
You could also do some research, perhaps you could buy a similar model of the laptop that you want but from a lesser known brand. Take note that some brands have actually the same manufacturers and they could probably have a lower-end brand catered to another place.
Try to make your purchase during off-peak seasons, maybe buying your laptop at the start of the school year wouldn't be such a good idea as you would be competing with a lot of people who are eager and capable of buying the laptops right-away.
Most of the time, stores conduct Sales in order to manage their inventory for the arrival of newer versions. Maybe you could list your name in their contacts so the staff could inform you of such events.
You could also check some bank promotions, normally in exchange for opening an account or a new credit line, they may include a laptop layaway plan with lower rates as an incentive.
If you are a student, see if the school has any discount benefits from the local computer shop. Usually, they give great discounts to students if the school allows them to have some of their ads in the campus, or conduct some marketing events.
Last, but not the least, you could ask a friend with good financial standing to get the laptop layaway plan for you and you could even sign a contract for this.
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