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dell financing? need to buy a laptop.. classes start in 4 days

S

skim milk

Diamond Member
i've been waiting and waiting for a good deal to come through on a dell laptop but nothing.

I need to get a laptop very soon... I'm looking at a 500m or a 600m since i need something light

7 - 8 lbs seems kinda heavy to bring to campus everyday.

anyways... I need to know if I fit the requirement for the e-financing.
I have one credit card... about 500 credit limit left and not much credit history. Would I get approved?? I'm hoping I can charge 500 on the credit card and the rest finance it. If anyone has info on this, please let me know

 
Originally posted by: fritolays
i've been waiting and waiting for a good deal to come through on a dell laptop but nothing.

I need to get a laptop very soon... I'm looking at a 500m or a 600m since i need something light

7 - 8 lbs seems kinda heavy to bring to campus everyday.

anyways... I need to know if I fit the requirement for the e-financing.
I have one credit card... about 500 credit limit left and not much credit history. Would I get approved?? I'm hoping I can charge 500 on the credit card and the rest finance it. If anyone has info on this, please let me know
Click to expand...

500 LEFT?
what's your limit?

The 500m is ok. Haven't tried the 600m. You might want to wait a few more weeks... prices on dells are rumored to be dropping soon. Use the school lab until then.
 
If you're student, you might be able to get into some kind of credit union at your school. At my credit union, they had loans for students for buying PCs, etc.

I believe the interst rate is lot lower than Dells.
 
Originally posted by: fritolays
i've been waiting and waiting for a good deal to come through on a dell laptop but nothing.

I need to get a laptop very soon... I'm looking at a 500m or a 600m since i need something light

7 - 8 lbs seems kinda heavy to bring to campus everyday.

anyways... I need to know if I fit the requirement for the e-financing.
I have one credit card... about 500 credit limit left and not much credit history. Would I get approved?? I'm hoping I can charge 500 on the credit card and the rest finance it. If anyone has info on this, please let me know
Click to expand...

can't split payment methods on dell financed orders

dell's interest rate is going to rape you
 
Originally posted by: Stark
Originally posted by: fritolays
i've been waiting and waiting for a good deal to come through on a dell laptop but nothing.

I need to get a laptop very soon... I'm looking at a 500m or a 600m since i need something light

7 - 8 lbs seems kinda heavy to bring to campus everyday.

anyways... I need to know if I fit the requirement for the e-financing.
I have one credit card... about 500 credit limit left and not much credit history. Would I get approved?? I'm hoping I can charge 500 on the credit card and the rest finance it. If anyone has info on this, please let me know
Click to expand...

500 LEFT?
what's your limit?

The 500m is ok. Haven't tried the 600m. You might want to wait a few more weeks... prices on dells are rumored to be dropping soon. Use the school lab until then.
Click to expand...

the credit limit is 800

I guess the best choice for me is to wait until I get the cash then🙁

 
I just ordered a Dell 600m... went with Dell financing. Their offer was 21.99% financing!

I said @#$# that and went to the bank and got a $5000 line of credit at 7.25%. I also managed
to get a new VISA that pays divedends with a $5k limit and a $5000 dollar overdraft on my chequing
account... They said I could have more, but I didn't want it...

btw, I'm 23 and have had a VISA since I was 18. Always used it every month, but never carried
a balance. Good way to establish good credit rating.
 
Wait until you get the cash, by then there should be a better deal.

Plus if you have the cash, payoff your cc, pay with your cc ... most cc's offers an extra 1 year of warranty coverage for FREE.
 
Originally posted by: RossMAN
Wait until you get the cash, by then there should be a better deal.

Plus if you have the cash, payoff your cc, pay with your cc ... most cc's offers an extra 1 year of warranty coverage for FREE.
Click to expand...

but the problem is my 800 credit limit won't get me a decent laptop
I need something thin and light less than 5 lbs .. something like a 500m or a 600m

when I get the cash, I'll use my debit card and get the laptop. hopefully I get the money soon!! 🙁🙁
 
Originally posted by: RossMAN
most cc's offers an extra 1 year of warranty coverage for FREE.
Click to expand...


i heard about that... especially the mastercards

do you know if AMEX blue students card has the extra warranty coverage?
 
i've also been looking at the 600m. does anyone know if you can save yourself the $70 by just ordering Windows XP Home and installing an already owned Pro version? Just wondering if all the dell features and buttons will still work.
 
Originally posted by: Leejai
i've also been looking at the 600m. does anyone know if you can save yourself the $70 by just ordering Windows XP Home and installing an already owned Pro version? Just wondering if all the dell features and buttons will still work.
Click to expand...

Yep, everything still works. Those are seperate programs you have to install after the operating system.
 
Well you may want to re-consider (if you can get a co-signer) because of these prices:

Dell Inspiron 500m for $1,170
Intel Pentium-M 1.3GHz, 14.1" XGA, 512MB, 40GB, 24x CD-RW/DVD Combo $1170 Free Shipping (Exp 8/24)

Dell Inspiron 5150 for $1,249
Intel Pentium 4 3.06GHz, 15" SXGA+, 256MB, 30GB, 24XCD-RW/DVD Combo $1249 Free Shipping (Exp 08/24)

Dell Inspiron 8500 for $1,199
Intel Pentium 4 2.2GHz, 15.4" WXGA, 256MB, 30GB, 24X CD-RW/DVD Combo $1199 Free Shipping (Exp 08/24)
 
i was able to get my laptop financed through Dell. they gave me $1,500 to work with 🙂

*edit* i'm also a college student with no job, if that gives you something to work with 😉
 
Originally posted by: hdeck
i was able to get my laptop financed through Dell. they gave me $1,500 to work with 🙂

*edit* i'm also a college student with no job, if that gives you something to work with 😉
Click to expand...

Yep, I was max'd out on credit back in 2000 (still am) and they gave me $5,000
 
Originally posted by: fritolays
Originally posted by: RossMAN
most cc's offers an extra 1 year of warranty coverage for FREE.
Click to expand...


i heard about that... especially the mastercards

do you know if AMEX blue students card has the extra warranty coverage?
Click to expand...
Yes, it certainly does.
Return Protection3?Want to return a recent purchase? If the merchant won't give a refund, American Express will. Just call 1-800-297-8019 within 90 days of purchase
Extra protection FREE for covered Card purchases with our Buyer's Assurance Plan4?call 1-800-225-3750?and Purchase Protection Plan5?call 1-800-322-1277
Click to expand...
 
The Buyer's Assurance Plan* - Double our warranty up to a year!
A little shopping goes a long way. Charge purchases entirely to the Card and we'll extend the terms of the original manufacturer's warranty for up to one additional year on eligible purchases you make with the Card. (Centurion Card Members are covered for up to three additional years.)

Best of all, you're automatically covered when you use the Card. So don't think twice about those big purchases - the coverage is good for the amount charged to your Card for the item or $10,000; whichever is less (not to exceed $50,000 per Cardmember account per policy year.) For more information or to file a claim, call 1-800-225-3750.

* Underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is subject to the terms, conditions, and exclusions of Policy AX0953.
Click to expand...
 
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