Financing Laptops With Bad Credit

According to Experian data, a third of the American population has a low credit score. That means a large portion of consumers may need bad credit financing to obtain a laptop.

Having access to laptop financing is critical, especially if you’re in need of a laptop for work or school. The good news is that with the rise of alternate lenders, borrowers with bad credit or no credit have more options to get what they want and need. You may be able to access the laptop of your dreams even if your credit history is less-than-stellar. In the article below, you’ll find out more about these important aspects of obtaining bad credit laptop financing:

  • What Exactly Is Bad Credit Laptop Financing?
  • Does “No Credit Check” Mean the Same as “No Credit Needed”?
  • Where is Laptop Financing for Bad Credit Available?
  • Who Can Get Laptop Financing and How Do I Apply?
  • FAQs About Bad Credit Laptop Financing


Bad Credit Laptop Financing – What Does It Mean?

A laptop can be an essential tool for both college students and those that work. If you’re a student, owning one can make your studies more efficient. If you’re using it for work, a laptop can be an essential tool to help you earn an income on the go. But let’s face it, these tools for work or study may not come cheap.

A good laptop can cost anywhere from a few hundred to thousands of dollars. But that doesn’t mean that you must sacrifice good features if you have bad credit.

Many traditional lenders rely on credit scores and credit history to determine borrowers’ creditworthiness. Because of this, applying for traditional lending with bad credit can lower your likeliness of securing traditional financing. Having fair to poor credit history can be a stumbling block and often hinders many consumers from acquiring the goods they need. So, what do you do if you don’t have a good credit score?

Fortunately, you may be able to acquire a new laptop with bad credit using alternative financing options.* Simply put, bad credit laptop financing means getting access to quality products despite bad credit history.

This can be directly or indirectly from retailers both online and offline. However, the transaction is only possible when merchants have bad credit laptop financing solutions.*

woman smiling using laptop in office chair

No Credit Check vs. No Credit Needed Laptop Financing

When it comes to financing, the subtle differences between “no credit check” and “no credit needed” financing is worth noting. Before you start shopping for financing options, it can be important to understand the difference between the two:


No Credit Check vs No Credit Needed

  • No Credit Check is when someone’s credit will not be pulled.
  • No Credit Needed refers to the fact that your credit score may be checked, but there are other factors that are part of the approval requirements.

What Kind of Laptops Can Be Financed With Bad Credit?

You may be able to finance a top laptop brand and model at many retailers if the retailer offers bad credit financing options.* And thanks to bad credit financing, you may be able to get some of the more popular and powerful ones even with bad credit.


You might be wondering: Is a lease the same as a loan?

Leases & loans are quite different – here’s what you need to know:

  • A loan (or personal loan) is generally a lump sum of funds provided on the recipient’s behalf that is paid back over time (and, like most loans, includes interest.)
  • A lease (or lease-to-own option) allows the recipient to possess the leased item for a pre-determined period of time and includes the option to purchase the item outright. It does not include interest but has leasing fees.


Available Laptops Brands

Some popular laptop brands on the market today are HP®, Apple®, Dell®, Lenovo®, Asus®, and Acer®. There are also a variety of laptop types, including all-in-one, 2-in-1, business, student, gaming, and more.

Laptop Brand: HP®

Average Price**: $500 – $3,000

Find a Store*


Laptop Brand: Apple®

Average Price**: $1000 – $4,000

Find a Store*


Laptop Brand: Dell®

Average Price**: $300 – $3,200

Find a Store*

Laptop Brand: Lenovo®

Average Price**: $250 – $2,500

Find a Store*


Laptop Brand: Acer®

Average Price**: $350 – $2,000

Find a Store*


man glasses phone laptop smiling

HP (Hewlett-Packard)

HP laptops, also known as Hewlett-Packard, are considered high-value laptops because of their reliability and performance.

The best HP laptop for you is one that meets your daily needs. You may want to consider the following HP laptop models:

HP Laptop Products Include:

  1. HP ProBook
  2. HP EliteBook
  3. HP ZBook
  4. HP Pavilion
  5. HP ENVY


  1. HP Spectre
  2. HP ProBook
  3. HP OMEN
  4. HP Chromebook


Apple is one of the largest laptop manufacturers in the world. And, tend to be a popular laptop choice, due to their performance and long battery life.

In addition, Apple laptops are sturdy, durable, and pricey, making them a good fit for bad credit financing. Below are the current Apple laptop models available to finance:

family with child looking at laptop

Apple Laptop Products Include:

  1. MacBook Pro 16-inch
  2. MacBook Pro 14-inch


  1. MacBook Pro 13-inch
  2. MacBook Air 13-inch
woman smiling with laptop leaning against couch


Dell manufactures business and personal laptops. That, combined with long battery life and recently upgraded processing, may make Dell laptops valuable for financing.

As a rule of thumb, go for the best laptop for your needs. Below are some of the top laptops to consider from Dell:

Dell Laptop Products Include:

  1. Dell Alienware
  2. Dell G Series
  3. Dell Latitude
  4. Dell XPS


  1. Dell Vostro
  2. Dell Precision
  3. Dell Inspiron
  4. Dell Chromebook


Lenovo is another top laptop brand. Lenovo produces top-quality laptop models like ThinkPad, ThinkBook, Legion, IdeaPad, and Yoga, all with excellent reliability.

The laptops can be used for commercial or academic purposes. Below are some Lenovo laptops to consider:

couple shopping for cell phones in electronics store

Lenovo Laptop Products Include:

  1. Lenovo IdeaPad
  2. Lenovo Legion
  3. Lenovo Chromebook
  4. Lenovo Flex


  1. Lenovo Yoga
  2. Lenovo ThinkBook
  3. Lenovo ThinkPad


Acer laptops are a favorite of some PC Mag’s laptop brands. Typical Acer laptop models include Acer Chromebook, Acer Spin 5, Acer Nitro 5, Acer Swift 3x, and Acer Predator Triton.

Acer laptops are built for a variety of purposes like business, computer gaming, and academics. You may be able to find the best fit Acer laptop even with less-than-stellar credit history. Below are some of the Acer laptops to consider:

man gaming on laptop

Acer Laptop Products Include:

  1. Acer Aspire
  2. Acer Predator
  3. Acer Nitro
  4. Acer Porsche
  5. Acer TravelMate


  1. Acer Swift
  2. Acer Enduro
  3. Acer Spin
  4. Acer Chromebook

Popularity of Financing Laptops

It is not uncommon for people to require financing when purchasing a costly item. That being said, it is essential for people to take the time to research what they need. It is also important for them to learn about financing options* they have available.

For many people, having a laptop is more of a necessity than a luxury. When it comes to laptops, the best ones are those that are reliable, have high performance and meet your needs.


Bad Credit Laptop Financing in Summary

According to Experian data, a third of the American population has a low credit score. That means a large portion of consumers may need bad credit financing in order to obtain a laptop or another expensive purchase.

The ability to get laptop financing with bad credit has opened new credit opportunities for more consumers across the United States. Applying for laptop financing may be less of a hurdle today, since there are more financing options* to consider. And while having bad credit may have been a blocker to accessing what you need, the good news is that you may still have options for acquiring a laptop with financing for bad credit.


laptop on couch with coffee and blanket

Laptop Financing With Bad Credit FAQs

Below are the commonly asked questions about laptop financing with bad credit.


Q: What Qualifies as “Bad Credit” Financing?

A: Obtaining financing can be challenging if you have a poor credit score. People with fair-to-low credit scores generally have a more difficult time getting approved for traditional financing, and often find options with lenders who offer alternative financing.


Q: What Credit Score Is Required to Get Financing?

A: Traditional financing often requires a good credit score and history (generally 670+), which may mean if you have less-than-perfect credit you may not be able to utilize traditional financing. However, alternative lenders often have payment solutions* available to those with less-than-perfect credit history.


Q: Where’s the Best Place to Finance Laptops with Bad Credit?

A: Where you can use your bad credit laptop financing will depend on the company you choose to sign a contract with. Always be sure to gather all the helpful information you need before agreeing to a contract.


Q: How Can I Finance a Laptop with Bad Credit?

A: You can apply for bad credit laptop financing right here on our website in minutes. Not everyone will be approved but having bad credit doesn’t automatically mean you’ll be denied. Your credit may be checked but having a less-than-perfect credit history doesn’t necessarily disqualify you. To begin, select your preferred electronics store near you*.


Q: Where Can I Use My Laptop Financing if Approved?

A: Where you can use your bad credit laptop financing will depend on the company you choose to sign a contract with. Always be sure to gather all the helpful information you need before agreeing to a contract.

Using our Merchant Search tool, you can find stores near you* where our financing is offered or available.