If you are in the market to purchase a new computer and you have no credit or bad credit, you basically only have 3 options, that you could use to receive your computer.

Due to the fact that you have poor credit, your normal option to get a computer loan is out of the question. Currently there are no financing companies in the USA that will offer an individual with no credit, a unsecured computer loan.

The First Option Is The Rent To Own Programs

Signing up for a rent to own program is clearly the fastest way to get a desktop or laptop computer. With no credit checks, you are guaranteed to get approved for this type of program. The drawbacks for these types of programs would be that you are going to paid up to 300% more for the same product that you could have purchased at any retail store. You would be set up with a weekly payment plan until the account is paid off. If for whatever reason, you get behind on your weekly payments, the rent to own company will try to pick up their computer.

Retail Cash Purchase

There is always the choice of making a cash purchase for a computer at your local retail store. This would be the lease expensive option if you have enough cash to make a purchase.

Cash Advance Loans And Payday Loans

Cash advance loan programs can be used for any type of financial need. Cash advance loans or payday loans are similar to a unsecured personal loan, due to the fact that they are always unsecured and they can be used for any purpose. There are no credit checks required to get approved for this loan program. You will have to show that you have a reasonable income before the loan is approved. Once the cash is received, you could then used the money to purchase a new desktop or laptop computer at any retail store.