Friday, June 6, 2008
Computer Financing With Bad Credit
You've got a good job, steady income, pay your bills on time, yet can't even get financing for a candy bar. Many people find themselves in this very situation after unexpected unemployment, divorce, or bankruptcy. Maybe you haven't been able to establish a line of credit at all, good or bad. So how can you finance a new computer with bad credit?
One way to finance a computer would be to get a small personal loan from a bank or credit union. Personal loans are probably the easiest to secure, especially if you have some form of collateral. This of course is not going to be an option for everyone, but it's worth a shot and will be the cheapest way to get your computer financed with bad credit.
Financing a computer with bad credit through a rent to own store is something just about anyone with an income can do. Though you'll likely be able to get a computer this way, it isn't highly recommended since you could end up paying up to three times the retail value of a most likely used computer. Rent to own should be a last resort.
Put a computer on layaway at a retail outlet like Wall Mart. If you have a sizeable income, but just don't have good credit, this may be a viable option for you. The only draw back with putting a computer on layaway through a retail outlet is that it will be a shelf computer meaning "as is" and you'll need to pay in full in about 90 days.
In recent years there have been computer financing companies willing to take payments via check by phone provided you have a valid checking account. If you have poor credit and want to get guaranteed computer financing, and need to break up the payments, plus pay what the computer is worth, this is going to be a very good option for you.
Computer financing with bad credit isn't always easy, but it is possible. Ironically, you are likely going to pay slightly more for financing with bad credit than you would have if your credit was good. On the bright side, you may be able to boost your credit rating a little bit if you keep up on your computer payments.
Daymon Hoag is the founder of Cheapest Service where you can shop for Bad Credit Computers - Laptop - Desktop - Computer Financing
Best Color Laser Printers of 2008 Under $600
Have you been looking for a good quality laser printer? If you want to get the best quality within a tight budget then look no further! Here we provide you a list of the top color laser printers in 2008 which fall under the 600 dollar bracket!
Knowing what you want
The first rule of thumb even before you actually go ahead shopping for your favorite color laser printer is to know what you want! What are your expectations in terms of print quality? Do you want the printer to print high resolution pictures with high finish? Do you need to print a large number of documents on a daily basis? If so, then would you prefer a laser printer which can take on bulk print jobs. You also need to assess the economical factors like how much you can afford to shell out. Maybe you are looking for a laser printer under 600 dollars but what is the ballpark figure you can afford? Having answers to these critical questions will make you better prepared on your next shopping spree.
Lexmark X520
The Lexmark X520 comes at 699 dollars which is a tad higher than the 600 dollar budget but it is worth every penny spent! This is a holistic all-in-one laser color printer. In addition to the perfunctionary laser printing it also acts as a fax machine and even a scanner. It even functions as a copier and sends email too! Therefore it certainly is a well rounded package and considering these features the price is very reasonable.
Samsung CLP-300N
The Samsung CLP0-300N is priced at an unbelievable 300 dollars - the lowest in our list! The compact and lightweight design is an added attraction in this color laser printer. The good thing about this printer is that it comes along with a network connector which facilitates easy connectivity with your home or office network. The small color laser printer does not take up much room in any interior and delivers more than what you would expect from its price.
Ricoh Aficio SP C210
This color laser printer certainly has a host of qualities considering the price range it comes at! Starting prices of this laser printer model are from 350 dollars and the maximum price is at 1068 dollars. The printer is able to print black and white images with a rapid pace while color images are comparable in terms of speed with some of the best in the market today. The only drawbacks in this color laser printer would probably be in its bulky size and large weight. The significant advantage of the Ricoh Aficio SP C210 is in its ability to handle large paper capacities. One drawback is in its driver which does not automatically detect the optimal color mode.
This Article is written by James Kara Murat from PrintCountry.com, the contributor of Printer Reviews. More information on the subject is at Best Color Laser Printers of 2008 under $600, and related resources can be found at Canon Ink Cartridges.
