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Financing a new PC

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  • 20-04-2010 5:09am
    #1
    MiCrOMaN1
    Registered Users Posts: 130 ✭✭


    I am in desperate need of a new PC but am finding myself quite low on cash at the moment.

    I am looking for companies that offer financial plans for PC's + laptops (ie 100 euro a month etc) and any info people might have about these plans

    thanks in advance:D
    Tagged:


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    #2
    Nody
    Moderators, Category Moderators, Arts Moderators, Business & Finance Moderators, Entertainment Moderators, Society & Culture Moderators Posts: 18,307 CMod ✭✭✭✭Nody


    Yes, that it is a bloody rip of on interest and charges. You're better of getting something second hand or go slightly lower on spec if you can save 100+ EUR a month as it is (i.e. save for two or three months and then buy it).


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    #3
    dudara
    Registered Users Posts: 33,518 ✭✭✭✭dudara


    Moved to Banking & Insurance & Pensions

    dudara


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    #4
    MiCrOMaN1
    Registered Users Posts: 130 ✭✭MiCrOMaN1


    @nody - I was hoping for some sort of deal perhaps interest free for a certain period!

    am really looking for a small list of companies that offer decent pc's AND some sort of financial plan to go with them.:D


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    #5
    RangeR
    Registered Users Posts: 7,265 ✭✭✭RangeR


    MiCrOMaN1 wrote: »
    @nody - I was hoping for some sort of deal perhaps interest free for a certain period!

    am really looking for a small list of companies that offer decent pc's AND some sort of financial plan to go with them.:D

    What do you want to use y our computer for?
    * Browsing Internet / EMail
    * Office applications [documents / spreadsheets / databases etc]
    * 3D Gaming

    If you dont want to do any heavy work [3D gaming / Heavy CPU work] you could get away with spending less than €300 on a netbook. Komplett don't offer financing, as far as I know. But it's an idea. If you like the idea of a Netbook, try Dixons [shudder] or PCWorld [shudder again]

    Just be aware, financing can work out exceptionally expensive in the long run. Unless you need it for business, you don't urgently need a PC now. Save for a month of two @ @150 per month. Then get a Netbook.


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    #6
    MiCrOMaN1
    Registered Users Posts: 130 ✭✭MiCrOMaN1


    It was planning to be for gaming and video editing so I would need a reasonably high spec machine, but I might check out Dixons and see if they offer some sort of a financial plan!


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    #7
    jor el
    Closed Accounts Posts: 16,713 ✭✭✭✭jor el


    All the large retailers do finance plans (Harvey Norman, PC World , Currys, etc), but they do come with some severe gotchas. If you are late on a single payment, then interest is normally added to the entire loan amount, and back dated to the beginning. This normally runs at between 20-30% APR. The interest free period is often not enough to cover the entire loan payment, so you have to pay off a lump sum at the end, or take up a payment plan that includes interest (at 20-30%).

    It might be worth investigating, but if you have any other means at your disposal, do that instead. A Credit Union or bank loan would be a safer option.


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