Laptops are very useful mainly due their mobility, however, this also means that they are susceptible to a lot of damage. If your laptop is damaged or broken then replacing it can put an extra strain on your finances.
You can however spread the cost by buying a laptop on finance using a pay weekly or pay monthly payment plan from a catalogue store. Catalogues like Argos, Littlewoods and Very all stock laptops at reasonable prices.
Argos is a nice store to buy from since you can pick the laptop up the very same day if it's in stock. The Argos card allows you to buy a laptop interest free over 6 months. You can apply for an Argos card in store or online. Customers with bad credit or no credit history may find themselves getting refused an Argos card as there is a credit check.
As well as the interest free buy now pay later credit offers, it can be used in a similar way to a regular credit card. In this case you will need to make monthly payments until you have cleared the balance.
Very sell Windows and Apple Mac laptops online at competitive prices. They have a range of credit options, including Take 3, Buy now pay later, and spread the cost. Take 3 is interest free and splits the price of the laptop into three equal parts which are paid over the period of three months. The buy now pay later plans are the most useful for big purchases such as a laptop computer.
With buy now pay later, as long as you are spending over £150 you can get 12 months interest free finance. It's important to note though that the entire balance must be repaid before the end of the buy now pay later period to avoid the interest charges.
Currys PC World are probably one of the best places you can buy a laptop from since you can actually try them out. They have huge displays in store where you can test out typing and using the laptop to make sure you're happy with it. Currys offer a number of different finance options including buy now pay later.
As long as you spend over £250 then you can spread the cost out over 6 months. You will need to pay a 10% deposit at the time of purchase, and then you can pay monthly. If you are spending over £450 then for the same 10% deposit you can spend the cost out over 12 months.
Currys also offer an easy to understand Simply 10 finance deal. This is where you pay a 10% deposit and the purchase price is spread over 10 monthly repayments. Interest rates are quite competitive, but they do not appear to offer any interest free deals at the moment.
Some related articles for your perusal.
If you've already been rejected for credit it's normally best to wait awhile before you re-apply elsewhere.
Always compare different catalogues and stores to find the best prices.
Always read the terms and conditions in full and understand exactly how much you'll have to pay back.