Dell financing....Good or bad?

[RichardE]

Thinking of using Dell Financing for a laptop, what do you guys think.

 

[CrazyLazy]

No, if you have to finance something like a laptop you shouldn't be buying it in the first place. Dell would really love it if you did finance though because they make a ton more money.

 

[RichardE]

Originally posted by: CrazyLazy
No, if you have to finance something like a laptop you shouldn't be buying it in the first place. Dell would really love it if you did finance though because they make a ton more money.

 

[Aimster]

Is it 0%?

I wouldn't apply for any credit card for a retailer unless I spend $10k there a year.

 

[LemonHead]

Originally posted by: CrazyLazy
No, if you have to finance something like a laptop you shouldn't be buying it in the first place. Dell would really love it if you did finance though because they make a ton more money.

Exactly...don't go into debt!

 

[OCGuy]

Originally posted by: CrazyLazy
No, if you have to finance something like a laptop you shouldn't be buying it in the first place. Dell would really love it if you did finance though because they make a ton more money.

Wow..more ignorant people on credit.


Anyway, get yourself a credit card with a low rate and use that. Dell financing is in the 18%+ range. If they have a deal to pay it off in a year with no interest, grab that.

 

[Goosemaster]

Originally posted by: LemonHead

Originally posted by: CrazyLazy
No, if you have to finance something like a laptop you shouldn't be buying it in the first place. Dell would really love it if you did finance though because they make a ton more money.

Exactly...don't go into debt!

 

[SlitheryDee]

I didn't like their rates personally. My business ended up getting a better deal financing through our local bank and taking advantage of Dell's 25 day grace period to get things shipped. I think Dell's interest rate worked out to be something like 17% for a 2 year plan. I wouldn't get anything from Dell for personal use unless I could buy it outright without financing.