The 15 Best Companies Laptop Payment Plans With No Credit Check

Did you know that there are more Americans owning PC currently than medieval people owned swords? According to the 2017 national census, nearly 78% of households owned a desktop or portable PC. And if you know where to look, there are free laptops to be had.

But how do you secure a good machine, such as a gaming laptop when your credit rating seems to belong in the dark ages? Good for us, there are a few options, and bad credit computer financing is one of them.  

With a laptop payment plan no credit check financing, owning a PC is now possible. It comes with low monthly premiums, which if you pay on time, could help to increase your credit score.

Like sign and drive car leases, there’s plenty of buy now pay later laptops no credit checks financing plans. It is a significant advantage for someone with bad credit.

For easy shopping, check out these 15 best laptop payment plans, no credit check offers in 2021. Whether you need an office PC or gaming laptop, these are excellent options if you cannot purchase one with cash. 

The 15 Best Companies Laptop Payment Plans With No Credit Check

laptop payment plan no credit check

1. Apple Financing Program  

  • Interest: 0% financing 
  • Duration: 12 to 24 months 
  • Payment Schedule: Weekly or monthly 
  • Application Procedure: In writing to any of their main offices 

From MacBooks to iPads, you can rent to own most Apple devices through inexpensive payment plans. And the best part is that there are no credit checks. In fact, they are the best example of buy now pay later laptops, no credit checks company. 

It means you can secure an iMac Pro for free and pay within a set duration. The payment period is usually between one and two years. Even more, Apple offers 0% financing on gadgets for qualifying candidates. 

Who Qualifies for Apple Financing?

  • You must be 18 years and above. 
  • Must have proof of residency 
  • You must have a valid national ID.

How To Get a Laptop with Apple Financing 

Here’s how to apply for Apple laptop financing services: 

  1. Go to the nearest company main offices. 
  2. Do a handwritten letter, expressing your request to buy a laptop on credit. 
  3. Prepare the above requirements and attach with your handwritten letter. 
  4. Wait for Apple to alert you when to go pick up your laptop. 

2. Dell Financing Program 

  • Interest: 0% financing 
  • Duration: 6 to 14 months 
  • Payment Schedule: Monthly 
  • Application Procedure: In writing to any of their main offices 

Dell is another American tech giant with a global reputation, just like Apple. Another similarity is that you can rent to own one of Dell many laptop brands through several of their financing options.

Their terms can vary from six to over fourteen months. Furthermore, all of Dell promo offers come 0% APR if you pay within the agreed duration. 

Who Qualifies for Dell Financing Program?

  • You must be 18 years and above. 
  • Must have proof of residency 
  • You must have a valid national ID.

How To Get a Laptop with Dell Financing 

Here’s how to apply for Dell laptop payment plan: 

  1. Visit one of their offices.
  2. Make an application under rent to own a laptop program.
  3. Sign the lease contract to buy the laptop on credit 
  4. Begin paying for it as agreed

3. Microsoft Surface All Access Financing 

  • Interest: 0% financing 
  • Duration: 24 months 
  • Payment Schedule: Monthly 
  • Application Procedure: Qualify Online  

They’ve been looking to boost ownership of devices such as the Xbox, Surface Laptops, as well as Surface Tablets. So, Microsoft teamed up with the Dell Preferred Account to offer Surface All Access plans. The program allows you to purchase a laptop through a 24-month term. Moreover, there are no upfront costs with this plan. 

You’ve probably used a similar payment plan to upgrade your smartphone through your carrier. But in this case, you get to keep the device once the twenty-four months are over. 

Who Qualifies for Microsoft Surface All Access Financing?

  • You must be 18 years and above. 
  • Must have proof of residency 
  • You must have a valid national ID.

How To Get a Laptop with Microsoft All Access Financing?

You can get a laptop through the following steps: 

  1. Apply Microsoft Dell Preferred Account 
  2. Provide employment and housing details 
  3. Prove your identity 
  4. Get results if you qualify for laptop financing. 

4. FlexShopper

  • Interest: Varies 
  • Duration: 52 weeks 
  • Payment Schedule: Weekly, bi-weekly, or monthly 
  • Application Procedure: Qualify Online  

The internet has changed operations in virtually every sector, including rent-to-own services. Without the need for a physical store, brands are going online to provide a wide selection of products with flexible payments. FlexShopper is among the leaders in this realm.  

Who Qualifies for FlexShopper Financing?

  • You must be 18 years and above. 
  • You must have a regular source of income. 
  • Must have proof of residency 
  • Must have an active checking account and in good standing 
  • You must have a valid national ID.
  • You must have a working phone number. 
  • Residents of Minnesota, Wyoming, New Jersey, and Wisconsin are not eligible. 

How To Get a Laptop with FlexShopper Financing?

Follow these steps to apply for financing:

  1. Fill out the FlexShopper online application form.
  2. Compare the thousands of laptop models online. 
  3. Choose the laptop you want to buy through a lease.
  4. Accept the electronic lease agreement. 
  5. Choose the best payment cycle and start paying for the laptop.

The best thing about FlexShopper is that they work with top retailers, such as Overstock.com, Walmart, Best Buy, Amazon, and others. It lets you lease to own the laptop brands you love. 

5. Aaron’s Rent to Own Program

  • Interest: Varies 
  • Duration: 12-24 months 
  • Payment Schedule: Weekly, bi-weekly, semi-monthly, or monthly 
  • Application Procedure: Qualify Online or Apply In-store 

The company is famous for easy, beautiful, and affordable payment plans on furniture, mattresses, electronics, and other appliances. Also, Aaron’s doesn’t check credit when leasing to own a laptop.

Note that they cover all defective products under a lease. So, you don’t have to worry that your portable PC isn’t working the way it should. 

Who Qualifies for Aaron’s Financing?

  • You must be 18 years and above. 
  • You must have a regular source of income. 
  • Must have proof of residency 
  • Have a valid SSN 
  • You must have a valid national ID.

How To Get a Laptop with Aaron’s Financing?

Use the following steps to apply for financing:

  1. Browse Aaron’s wide selection of laptop brands and models in-store or online 
  2. Complete the online application for approval 
  3. Sign your lease agreement after approval 
  4. Provide details for a free home delivery 
  5. Wait for the laptop to be delivered and tested. 

6. Lenovo Financing 

  • Interest: 0% 
  • Duration: 12-24 months 
  • Payment Schedule: Monthly 
  • Application Procedure: Qualify Online or Apply In-store 

Lenovo has a financing program that lets you own one of the models without hassles. It has almost the same requirements as Dell and Apple. But one significant difference is that Lenovo requires proof of income for eligibility. 

Who Qualifies for Lenovo Financing?

  • You must be 18 years and above. 
  • You must have a verifiable source of income. 
  • Must have proof of residency 
  • Have a valid SSN 
  • You must have a valid national ID.

How To Get a Laptop with Lenovo Financing?

Apply for Lenovo financing through these simple steps:

  1. Visit Lenovo online shop and browse for options.
  2. Choose the desired laptop model. 
  3. Select ‘financing’ when checking out from the billing page 
  4. Wait for the application decision in under 30 seconds. 
  5. Sign the loan agreement 
  6. Wait to receive your laptop along with a copy of the agreement. 

7. HP Premier Upgrade Financing 

  • Interest: 0% 
  • Duration: 6, 12, and 24 months 
  • Payment Schedule: Monthly 
  • Application Procedure: Qualify Online or Apply In-store 

Another tech giant, HP is pretty much the same as its counterparts as far as laptop financing goes. Like Lenovo, they require proof of income. However, one stark difference is that HP wants your income source to be significantly more than your monthly premiums. 

Who Qualifies for HP Financing?

  • You must be 18 years and above. 
  • You must have a verifiable source of income.
  • Your monthly income must be substantially more than premiums.  
  • Must have proof of residency 
  • Have a valid SSN 
  • You must have a valid national ID.

How To Get a Laptop with HP Financing?

Here’s how to get a new laptop with HP Premier Upgrade Financing: 

  1. Visit your nearest HP store.
  2. Shop for the preferred HP laptop 
  3. Apply for the 6, 12, or 24-month financing plan 
  4. Wait to hear from HP about their decision.
  5. Go back to pick up your laptop if approved. 

8. Electro Finance 

  • Interest: Varies 
  • Duration: 12 months 
  • Payment Schedule: Monthly 
  • Application Procedure: Qualify Online 

Electro Finance is one of the best buy now pay later stores in the United States. Although the lease to own electronics e-retailer was founded in 2013, it has grown into a top rated financing platform thanks to the no credit needed application.

Also, the service gives various financing options plus rent to own programs to match any budget. With a $3,000 maximum credit, you can get any top of the range PC without paying upfront. 

Who Qualifies for Electro Finance?

  • You must be 18 years and above. 
  • Have a credit or debit card 
  • You must have a verifiable, active income source.
  • You must show proof of residency. 
  • Have a checking account or routing number 
  • Have a valid SSN or Taxpayer ID 
  • You must have a national photo ID.

How To Get a Laptop with Electro Finance?

Simply follow these steps to secure your next PC with the most manageable payment plan:

  1. Visit Electro Finance online store to select a desirable laptop. 
  2. Apply for financing by meeting the above criteria 
  3. Wait for system approval. 
  4. Set up payments to coincide with your paydays 
  5. Checkout to begin your lease and take home the laptop 

Note that Electro Finance may not be as easy to qualify for as the Apple and Dell financing services. However, it is an excellent alternative if you need to pick from a more comprehensive selection of laptop brands. 

9. Rent A Center 

  • Interest: 0% 
  • Duration: 12 months 
  • Payment Schedule: Weekly, bi-weekly, and monthly 
  • Application Procedure: Qualify Online 

Are you looking for easy to pay installments for a brand new portable PC? Look no further than Rent A Center. With this payment service, you don’t need cash at hand or credit to get a laptop. To allow you easy payment options, the company lets you repay the loan weekly, bi-weekly, or monthly. 

Who Qualifies for Rent A Center Financing?

  • You must be an American citizen of 18 years and above. 
  • Verified email address. 
  • Genuine SSN 
  • You must have an active bank account number. 

How To Get a Laptop with Rent A Center Financing?

To qualify for Rent A Center laptop financing, use the procedure below:

  1. Visit the Rent A Center official site.
  2. Check for and fill out the registration form to create an account. 
  3. Browse their inventory to select the laptop you want 
  4. Make the necessary down payment. 
  5. Checkout to receive your PC
  6. Continue with the regular repayments as agreed.

Although the down payment requirement seems like a tradeoff, you’ll have plenty of choices with several, friendly payment plans. 

10. iRent A Mac

  • Interest: 0% 
  • Duration: 12 months 
  • Payment Schedule: Monthly 
  • Application Procedure: Qualify Online 

Laptop shoppers who are only interested in getting Apple products don’t have to apply via the official Apple Company portal or App. There’s another way to get your laptop for affordable monthly repayments with iRent A Mac. It’s the most reliable alternative when looking for MacBook pro financing no credit check services.

With no credit checks, 0% APR, and a high approval rating of 80%, make iRent A Mac the go-to laptop payment plan for Apple products. Simply pay the down payment after approval to receive your Apple laptop. 

Who Qualifies for iRent A Mac Financing?

  • You must show proof of at least six months of current employment. 
  • Be a credit or debit cardholder. 
  • Genuine SSN 
  • You must have a verified email address.
  • You should make at least $1,200 in monthly earnings. 
  • Valid photo ID. 
  • Have a legal method to make electronic payments 

How To Get a Laptop with iRent A Mac Financing 

For the best laptop payment plan for Apple laptops, use these steps:

  1. Go to iRent A Mac official website. 
  2. Fill out the online enrollment form. 
  3. Complete and submit the application form 
  4. Shop and choose your preferred laptop after being approved 
  5. Put down the suggested money to have the PC shipped to your home address.
  6. Continue with monthly repayments to own the gadget

11. LeaseVille No Credit 

  • Interest: Varies 
  • Duration: 12 months 
  • Payment Schedule: Monthly 
  • Application Procedure: Qualify Online 

If you have a job and an active bank account, that’s all you’ll need to qualify for financing with LeaseVille. From electronics, music equipment, appliances to jewelry and other tools, the rent to own online retailer offers a decent selection of products.

Moreover, a credit check isn’t a requirement to qualify for financing. While LeaseVille doesn’t check credit, they need their clients to satisfy these criteria. 

Who Qualifies for LeaseVille No Credit Financing?

  • You must show proof of at least six months’ current employment. 
  • You have an active checking account in good standing 
  • Show proof of residency 
  • Have a photo ID

How To Get a Laptop with LeaseVille No Credit Financing?

You can get a brand new laptop on loan from LeaseVille with these steps:

  1. Visit LeaseVille official website.
  2. Fill out the enrollment and application forms. 
  3. Wait to be approved before choosing the laptop you want 
  4. Pay a $40 setup fee to have the PC shipped to you. 

12. Rent Delite

  • Interest: Varies 
  • Duration: 12 months 
  • Payment Schedule: Monthly 
  • Application Procedure: Qualify Online 

For a wide selection of laptop brands and models, Rent Delite offers financing options that cater to bad credit customers. They have a solid platform for easy application and instant approvals.

Check below for eligibility criteria and the application process. Rent Delite early-off payment option is also an excellent addition. 

Who Qualifies for Rent Delite Financing?

  • You must be 18 years or older. 
  • Provide proof of residency. 
  • You must be able to pay with a credit card or debit card. 
  • You should have a stable, verifiable income. 
  • Verified email address.

How To Get a Laptop with Rent Delite Financing?

Here’s how to apply for buy now pay later financing with Rent Delite:

  1. Go to Rent Delite official site.
  2. Choose from multiple name brand laptops. 
  3. Complete the simple online application 
  4. Wait for the system’s near-instant approval. 
  5. Accept the Rent Delite lease agreement. 
  6. Make a small down payment. 
  7. Continue with regular payments to own the laptop fully. 

13. YuKeep Buy Now Pay Later  

  • Interest: Varies 
  • Duration: From 5 to 12 months 
  • Payment Schedule: Weekly, bi-weekly, and monthly 
  • Application Procedure: Qualify Online 

Buy now pay later using YuKeep financing plan for the latest gaming and office laptops. Don’t worry if your credit score is less than stellar, YuKeep doesn’t use your creditworthiness to qualify you for financing. Like other rent-to-own services, you must meet specific criteria to get the loan. 

Who Qualifies for YuKeep Financing?

  • You must be 18 years or older. 
  • Active bank account. 
  • You must have a prepaid card in the absence of a bank account. 
  • You should have a stable, verifiable income. 

How To Get a Laptop with YuKeep Financing?

For the best chances of qualifying for YuKeep laptop financing, use these steps:

  1. Meet the company eligibility criteria 
  2. Visit YuKeep official site.
  3. Choose your product from the inventory. 
  4. Use the online payment calculator to tailor your payment. 
  5. Complete a simple application for approval 
  6. Sign your lease and make a refundable deposit to receive the gadget 
  7. Honor regular payments to own the laptop. 

14. Snap Finance 

  • Interest: Varies 
  • Duration: Up to 12 months 
  • Payment Schedule: Weekly, bi-weekly, and monthly 
  • Application Procedure: Qualify Online 

Many laptop payment plans today don’t need a credit check. And Snap Finance is one of the best computer financing platforms, especially if you have bad credit.

It means that your creditworthiness will not prevent you from securing a new laptop from Snap Finance. But make sure you meet the following requirements before you start celebrating. 

Who Qualifies for Snap Finance Laptop Loans?

  • Be at least 18 years old 
  • Need a working checking account 
  • Have an operational cell phone or valid email 
  • Have a steady, verifiable income source

How To Get a Laptop with Snap Finance Services? 

To be eligible for financing with Snap Finance, keep this guideline in mind:

  1. Visit the Snap Finance online portal. 
  2. Complete the online application form 
  3. Wait and see if you are approved. 
  4. Use the store locator to find the nearest participating retailer. 
  5. Shop the inventory for the product you want 
  6. Finish your transaction by checking out at the cashier’s 
  7. Honor regular payments to own the laptop. 

15. Lowe’s Lease to Own Laptop Payment Plan 

  • Interest: Varies 
  • Duration: Up to 12 months 
  • Payment Schedule: Weekly, bi-weekly, and monthly 
  • Application Procedure: Qualify Online 

Unlike most platforms, Lowe’s program is a progressive leasing arrangement. It means that they will buy for you the product you choose from a participating retailer.

You’ll take ownership of the merchandise once you complete all lease payments. Alternatively, there’s an early purchase option to let you own the laptop in less than twelve months. 

Who Qualifies for Lowe’s Lease to Own Laptops?

  • Be at least 18 years old. 
  • Have a working debit or credit card 
  • A valid ITIN or SSN 
  • Have an active checking account with routing number 

How To Get a Laptop with Lowe’s Progressive Leasing?

Here’s a step by step explanation for applying for the lease to own laptop payment service:

  1. Visit a participating Lowe’s store, the internet, or send a text message with the word LOWES to 57597 to apply for financing. 
  2. Wait to receive an instant decision for your application. 
  3. Once approved, you can visit a participating retailer to shop for the laptop you need
  4. Deposit $79 as initial payment 
  5. Go back to the cashier to complete your purchase and take home the PC
  6. Pay your lease as agreed for complete laptop ownership. 

Frequently Asked Questions (FAQ)

Can I finance a laptop with no credit?

Yes. There are multiple financial companies, manufacturers, and retailers who provide laptop financing without checking the customer’s credit score. But make sure to check out other qualifications for purchasing a PC on credit. 

Does Amazon still offer payment plans?

Yes. Amazon has a 12-month special financing plan if you use their Store Card for purchases of at least $599.  In this case. There’s no interest if you pay the loan in full within the twelve months. 

Does HP offer payment plans?

Yes. The HP Premier Upgrade Financing gives you 6, 12, and 24 months’ payment options to finance your laptop purchase. It’s also no-interest offer if you pay off the loan within the promo period. 

How can I buy a laptop on EMI?

Find a lender that lets you repay your loan through fixed amounts on specific dates of each monthly billing cycle. Depending on the provider, you can tailor the payment cycle to match your payday. 

How can I finance a MacBook with no credit?

You can finance a MacBook without credit through Apple finance program available online or through the App. Apart from brand-based financing, you can also use third-party providers that don’t check credit, such as iRent A Mac, to finance a MacBook. 

The Bottom Line

Financing is vital to purchasing products with a hefty price tag without paying anything upfront. However, it’s only a good option if you are sure of your ability to pay the entire outstanding balance as agreed in the financing contract.

If you slip up, you will end up paying expensive charges, APRS, plus potentially damaging your credit ratings. There are plenty of laptop payment plan no credit check providers if you are good with planning repayments and budgeting. Also, most companies throw in additional perks like zero-interest that make laptop financing worth considering.