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Laptops

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There are now catalogues which offer laptops on finance to their customers with the option to spread the cost using a pay monthly, pay weekly or buy now and pay later laptop deal.

Macbooks

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More expensive than laptops, macbooks are the Apple version and are very high in demand. As such, finding a credit option can be more difficult especially if you have a bad credit score.

Desktops

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No longer as popular as the laptop, desktops are still the go to machine for office workers and serious gamers. They pack a much bigger punch in regards to memory, graphics and speed!

iMacs

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The more expensive desktop, iMacs are the Apple version and are far better in terms of efficiency and user-interface. Buying an iMac on credit is now possible with numerous stores to choose from.

Netbooks

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Netbooks are a smaller, more compact version of a laptop and are ideal for people on the go. Buying a netbook where you can spread the cost is now available at a number of catalogues.

Buying Guide - a few tips and things to consider when buying a laptop or desktop

Buying a laptop or a desktop on finance can be tricky especially if you are not sure what you are looking for. There are several important factors you should be paying attention to in order to get exactly what you want.

Operating system

The first thing you need to decide about is the Operating System. Every single operating system has its own advantages and flaws, and you should know what you will be using your new device for. If you need a laptop or a desktop for “standard” day-to-day activities like checking emails, surfing and watching movies, you don’t have to worry much about the operating system you actually need, except for the price.

There are three important Operating systems you can choose from:

Chrome OS - Chrome OS is an increasingly popular operating system developed by Google, and one of the most inexpensive operating systems around. When it comes to security, Chrome OS is the most secure OS around, and a good thing is that it looks a lot like Windows. However, it needs to be noted that the Chrome OS can be defined as a web browser, more or less.

Windows OS - Laptops and desktops with Windows installed are generally less expensive than those with the Apple OS (Macs) but they still cost more than those with the Chrome OS installed. However, Windows is an extremely popular platform that suits for all kinds of tasks and it will handle everything from standard use, to gaming and programming.

Apple OS - Most of Apple’s devices have some iteration of Apple OS installed and this OS is generally the costliest one around. Apple OS has its own benefits and drawbacks. If you already own a few of Apple’s devices, then spending some extra money on Apple OS doesn’t sound like a bad deal, as you can easily connect your existing devices to your new laptop.

Laptop Size

Size is an important factor when you are choosing your new device. It all boils down to what you are going to use your new device for.

The thinnest amongst devices usually feature 11 to 12-inch screens, are very lightweight, and weigh just 2-4 pounds. The downside is that the keyboard might be too small for some users, especially those with thicker fingers.

Devices that feature 13 to 14-inch large displays can be called pretty balanced. They are a bit heaver, but they still aren’t too heavy and they can fit nicely on your lap while still having a decently sized keyboard.

The most popular size around is definitely the 15-inch one. They can be a bit heavy to some users, but they can also be the least expensive. The downside is that you might require a desk to operate it properly, as they are not very comfortable to hold on lap. These laptops, thanks to their size, can fit some more powerful components such as processors, graphics cards, and storage drives. However, they usually weigh 7 pounds and above, which means that they aren’t really lightweight.

If you want a powerful machine that can run modern games, as well as run demanding applications which you might require for work, then you should definitely go for a 15+ inch size.

Laptop vs. Desktop – Which is Better?

With advancements in technology, the differences between the capabilities of a laptop and a desktop have become really thin. Earlier, the user had to decide between the portability and performance, making the choice very hard, especially to those who needed a powerful machine for work purposes. Today, laptops are generally for those who want to stay mobile at all times, and connected wherever they go.

Desktops are a great choice for those who do not require mobility, and who can use their machine from the comfort of their home, or their workplace.

One notable difference is that desktops and laptops that fall in the same performance category differ in price. Desktops are generally cheaper than laptops (excluding the peripherals) if they feature similar capabilities.

Important Specs You Need

Internal components determine the performance of the machine. When choosing a laptop, or a desktop, you need to be sure that the components inside feature the power you need. Keep an eye on the following features as well.

CPU – Central Processing Unit is the “brain” of any computer. The performance of a CPU is directly proportional to its power. Powerful CPUs can handle more tasks and are faster as well.

RAM – These days, most laptops ship with 4 GB of RAM, which is more than enough for normal, everyday use. However, if you want to use more demanding applications, you might want to go for 6 GB and above.

Graphics Card (GPU) – For most users, the integrated chip will do just fine, omitting the need for expensive graphics cards. If a user (gamer, designer, etc.) is more demanding, a high-end GPU might be required.

Hard Drive – Hard drive is the main storage of your machine. Here, all of your files, movies, music and applications will be stored. , so naturally, the bigger the hard drive is, the more you’ll be able to keep on your machine. There are other solutions today, such as cloud storage services, which remove the need for extremely large hard drives.

Solid State Drive (SSD) – To put in simple terms, this is the “advanced” version of the hard drive, and the more expensive one. It usually comes with less capacity, but is able to vastly improve the performance of your machine.

Device Brand – Which One to Choose?

When it comes to laptops, brands are pretty important. The better the brand, the more expensive the laptop and the more features you get, and usually the greater the reliability. However, if you want to save money, you can go for a less expensive brand and still get most of the features.

When talking about desktops, the user usually picks out the components they want, and then the machine is assembled according to user’s instructions. Building your own desktop PC comes highly recommended as you get to choose what exactly you want, and if you are in doubt, there are professionals to help you with your choice, or you can simply get some quality advice online.

Laptops on Finance with Bad Credit

If you have a poor credit rating you may find it difficult to get accepted for a pay monthly or pay weekly laptop.

Luckily, there are numerous online stores which are more lenient towards customers with low credit or even no credit history.

However, due to increased risk for the merchant, they tend to charge higher interest rates, and rarely offer any interest free periods.
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