Rent-to-Own Computers

The increasingly popular choice of rent-to-own computers gives consumers more options than ever before. This option can help make leasing the products you love more realistic, even with less-than-stellar credit history. Learn the answers to these important questions about getting rent-to-own computers below:

• What are Rent-To-Own Computers?
• How Does Rent-To-Own Work for Computers?
• What Kinds of Computers Can You Rent-To-Own?
• Who Offers Rent-To-Own Computers?
• FAQs About Rent-To-Own Computers

Computers are increasingly necessary for professional and personal success, so it’s no wonder that people are willing to put down a large deposit on them. Rent-to-own options do not have a down payment but may have comparable initial payments or processing fees. Rent-to-own computers mean getting access to a computer through a rental contract that, if approved, will allow you to pay as you go instead of making full payment upfront. When you rent to own a computer, it can help you get access to a good computer at a price you can afford.

Rent-to-own computer agreements could be a great option for consumers who have a less-than-stellar credit history but still need access to household products to help support living or working habits.

Unlike traditional purchasing models such as in-store credit, the rent-to-own computers agreement is not a loan, and interest does not accrue. Please note that although the rent-to-own model does not include interest, there are generally comparable leasing fees included. Without an excellent credit score, it can be daunting to qualify for the in-store credit option. If you aren’t eligible for traditional financing, a rent-to-own computer may be a good option for you to consider.

Suppose you want to get a computer but have bad credit and potentially a low chance of qualifying for a loan. In this case, you may consider applying for a rent-to-own computer agreement.

American First Finance is a payment solutions company available to consumers with less-than-perfect credit histories. With American First Finance, if you would like to own the electronics you lease, you generally have three options. Here’s a look:

• Early Buyout Option (EBO) – save on rental fees by paying off your rent-to-own agreement in full early, often within 90 or 101 days, and own the item earlier.
• Early Purchase Option (EPO) – pay off your rent-to-own agreement after the EBO but before the end of your agreement term.
• Full payment option – pay for the item for the entire term of your rent-to-own agreement.

Computers can be leased through rent-to-own agreements, which are available to consumers with less-than-stellar credit histories. These consumers can get quality computers through rent-to-own agreements if approved. Rent-to-own agreements gained popularity in the late 1960s. Today, rent-to-own remains a viable option for consumers with less-than-perfect credit history.

You can rent-to-own computers at a number of stores. American First Finance partners with thousands of merchants, so our customers have access to a wide variety of great products.

†The transaction advertised is a lease, lease-to-own or rent-to-own program, or rental-purchase agreement. Instead of paying interest, you will pay rental fees on top of the retail price.**Please Note: Payment solutions vary based on the merchant and will be indicated at the beginning of the application process. Be sure to confirm that the merchant you select offers the lease, loan, or alternative payment solution you intend to apply for.

Laptops have become a necessity for most professions. With the increasing popularity of the work-from-home model, laptops have become essential for remote work. They are lightweight and easy to transport, making them an excellent choice for students, professionals, and frequent travelers. There are many different types of laptops, including:

• Notebooks – These laptops strike a balance between functionality and portability. They vary significantly in overall size and feature different specifications regarding storage capacity, processor speed, memory (RAM), and screen size.
• Convertibles – Also called “2-in-1” or “hybrid” laptops, convertibles combine the features of both a tablet and a laptop. You can easily switch between traditional and touchscreen keyboard modes. Most feature the fold-back method, but there are few models that have detachable screens.

A personal computer refers to a general-purpose computer with sizes, capabilities, and prices that make them ideal for individual use. They are distinct from business, industrial, and other special-purpose computers. Since they offer practicality and functionality, they are popular for home and small office use.

Desktops are generally larger than laptops. The traditional tower design houses the CPU and other components, such as storage drives, cards, memory, and power supply. Because of their limited mobility, desktop computers are best for stationary use at home or in an office environment. A gaming PC is an excellent choice for video game enthusiasts or those who like to customize their computer hardware since you can easily upgrade their internal components.

It may be challenging for consumers with bad credit history to acquire loans at competitive rates today. Bad credit refers to a history of not meeting monthly payments, making frequent late payments, and having a credit score below 580.

Consumers with bad credit may find it challenging to make large purchases that require a credit card or financing. As a result, it can be difficult acquiring everyday electronics like computers, and consumers may be forced to buy second-hand products or low-quality and substandard electronics. Rent-to-own agreements provide an affordable leasing solution as another option for consumers who want to get quality computer brands without making a full cash price payment upfront. Rent-to-own agreements usually require an initial payment or processing fee.

American First Finance is a payment solutions company available to consumers with less-than-perfect credit histories. You can apply for rent-to-own computer options right here on our website. Your credit will be checked, but we consider more than just your credit score.

To apply, find a store near you and click “Apply” to begin our short online application^*.

**Please Note: Payment solutions vary based on the merchant and will be indicated at the beginning of the application process. Be sure to confirm that the merchant you select offers the lease, loan, or alternative payment solution you intend to apply for.

Rent-to-own computers are accessible through a flexible rental option with affordable payments for approved American First Finance customers. This rental-purchase option allows approved consumers to get the computer they need while managing renewable rental payments.

American First Finance partners with many merchants across the U.S., giving you options when applying for lease-to-own computers.

You can apply for a rent-to-own option on our website for ease and convenience. Simply use our merchant tool to find a store near you^* and fill out the application form online. The application process takes only minutes.

**Please Note: Payment solutions vary based on the merchant and will be indicated at the beginning of the application process. Be sure to confirm that the merchant you select offers the lease, loan, or alternative payment solution you intend to apply for.