How to Buy a Computer With No Credit Checks

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There are many ways to obtain financing to buy a new computer with no credit checks. Be wary of the terms of the contract to ensure you are not paying too much in interest or fees and make sure the products you do buy are warrantied for at least a year and are of good quality. Any one of the steps below can provide you with a computer without the hassle of a credit check.

  • Start an account with Blue Hippo. After you make roughly 10 payments on a computer that is in layaway, they will finance the rest of it and sent it out to you. There are no credit checks and one can't be turned down due to credit history. Once you have established a credit history with them, you can get your computer. You can also call their toll-free number to start the process if you do not have Internet access.

  • Log onto 123computerfinancing.com or MyComputerClub.com and start an account with them. They have more than 10 different computers to choose from and once you have paid your deposit and membership fee, they will build a custom computer for you that you will receive in as little as 14 days.

  • Obtain a payday or cash advance loan online or at a local check-cashing store. This will enable you to use the money to buy a new computer without the hassle of a credit check. You can pay the loan back with your next paycheck or roll the loan over for a longer time if necessary.

  • Buy a computer from Bowsprit Computer Leasing. They offer a lease-to-own program that includes no credit check and the computer can be paid off in 12 or 24 months. They do have credit checks if you wish, but with a no credit-check lease you just need to provide a pay stub and sign a lease agreement.

  • Borrow money from a family member. There will be no formal credit check and you can pay your relative back in any fashion she is comfortable with, including a lump sum payment down the road when you accumulate the cash. This is the best way to get a computer with no credit check as long as you are comfortable borrowing from your family.

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