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The only other alternative is to get a co-signer (parent, brother/sister, other relative, co-worker, friend)
What's the 😉 for? In 1994 I barely had any credit and desperately wanted this 486 with 14" monitor for $1,600, I have no idea why ... but a co-worker offered to help me out by co-signing for the Computer City financing program. I was thrilled and it helped me establish my credit.
Of course now that $1,600 machine is barely worth $60 including the ancient printer.