Looking for a gaming PC and need financing? We may be able to help you get an offer even if you have bad credit or no credit. Take a minute and get a no obligation offer for the money that you need for your computer.

A man using a gaming PC

Get Financing With Bad Or No Credit

If you have bad credit, you know that getting financing for guy toys like a gaming system can be difficult. When people finance these things, they generally do it with store credit and that can be hard to obtain. There is another option though and that is online financing. We can help you with that.

We help, not by being a lender, but by getting you access to a large group of online lenders. We ourselves are not lenders and do not make credit decisions. This is good for you, because with a single lender an approval is harder to get. More lenders equals more chances of getting a yes, even with no or bad credit.

Ready to get your offer? Here is how it all works.

Your Gaming PC Loan

It is incredibly easy to get an offer for gaming PC financing and it takes just a few minutes.

The first step is to navigate to the top of the page and fill out the short loan quote form. It is rather short, so it should not take you more than a few minutes. Enter in how much that you expect to need to borrow and then some information about yourself and your income. You will also need to enter banking information because this is how your lender will send you money for a gaming PC.

Once you complete the form, simply hit submit and wait for your answer. In most cases, you will not be waiting long. If you are approved, one of the lenders in the group will present you with an offer. This generally means forwarding you to their website where you can see the terms of the loan.

Do make sure that you review the loan terms and do not blindly accept just any loan. Sure, you want that PC but you need to make sure that you can afford the loan and that it is not too costly. If there are any details that are not clear, be sure to ask your lender for some clarification.

If you do not like the offer that you were given, you can simply walk away. In just getting a quote, you are under no obligation.

Making Your Decision

Deciding whether or not to accept a loan should not be an instant decision. Loans are really big deals, especially if you have bad credit. Be sure to consider a few things before you accept your gaming PC financing offer.

First and foremost, can you afford the payment. Do not make the mistake that so many do of just assuming that the money will show up. You need to make sure that the loan payment will fit into your budget by plugging it into your budget. If you do not have a budget, now is the time to write one.

Next, you should make sure that the loan is not too expensive. Do this by looking at the total cost of your loan. This is what your loan would cost you if you take it to the full term. Include all interest, fees and principal. Remember, a gaming PC is a luxury item and not a necessity, unless you are a pro gamer of course.

Finally, do you have other options. Loans are expensive and may not be the only way to get what you want or need. In the case of a gaming PC, perhaps you could buy a used one or take a little money and add some memory or a better graphics chip.

Once you have thoroughly thought over your Gaming loan, you can make your decision.

Buying Your Gaming PC

If you decide to accept a loan for a gaming PC, your lender will deposit cash directly into your bank account. In many cases, your lender will get you the cash that you need as soon as the very next business day. Once deposited into your account, it will generally be available for immediate use.

Since you will have cash instead of store credit, there are a number of benefits.

First and foremost is the fact that you have the ability to get the exact gaming PC or gaming laptop that you want. You are not limited to stock on hand, but instead can shop any store that you like. Get exactly what you want or have a custom machine built.

Another benefit is that you can price shop. With store credit, you are a captive audience and a retailer would not have to negotiate. Since you can shop whatever store that you like, you can look for the best deal.

Finally, since this is a cash loan, you can use excess money as you like. Pay it back on the loan or maybe buy a new drone. The choice is all yours.