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Surviving in this fast-paced, digital world without a laptop can leave you two steps behind the rest. Whether you use it for work or for organising your life, having a computer is almost a necessity. The trouble is, they don’t come cheap, especially if you want a good one. Thankfully, you have a number of options when it comes to funding a new laptop or computer.
To help you afford a new computer, there are several different options for you to consider:
You should only apply for a personal loan to finance your laptop if you are absolutely certain that you can meet the repayment terms, otherwise you will face additional costs and it may impact your credit rating.
To apply for a personal loan, you will need to meet the following criteria:
You can still be eligible for a loan even if you have bad credit, though you may find your options are more limited compared to someone with good credit. You can generally get a personal loan for any worthwhile purpose, and this would include the purchase of a laptop.
Ultimately, lenders want to make sure that you’re likely to repay your loan. If you have poor credit, this may mean you’ll only be approved for a smaller loan amount, or may only have a certain time in which to repay the loan.
Yes, you can use your student loan to cover the cost of a laptop. While you are generally free to spend your loan on whatever you like, a laptop will usually be a suitable use of your funds, especially if it can assist you in your studies.
Some universities may also offer a laptop loan program, where students can borrow laptops directly from the university library for a certain period of time.
If you have decided that a provider’s loan is right for you, simply fill in the application form for the loan via its website. You will need proof of the following:
Don’t let a broken or slow computer get you down! Whether you use your computer for work or just for social use, there are several options to help you to afford a new one – a personal loan being one option to consider.
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