Buying on finance refers to the purchase of an item and paying for it in instalments on a weekly or monthly basis or just paying for it at a later date. There may be a certain interest rate that is levied after a certain time period.

Many UK retailers give customers the option of buying laptops on finance by using your bank’s credit card or by having a credit card with the store you buy from. Apple laptops are the most popular among students, who usually avail the ‘buy now pay later’ option offered by several online catalogues. Catalogues like  Very, Littlewoods, etc sell a wide variety of student laptops on finance. The stores themselves issue a credit card and there may even be an interest free time period.

Retailers offer a number of different schemes on different laptops. Dell student laptop schemes usually involve regular payments over 24 or 36 months, along with an interest free period. Sony laptops can be obtained by a credit check but acceptance rates might be low. While buying a Samsung laptop on finance, the stores may start a new account on a high credit limit and interest rates may or may not be charged. Panasonic laptops are also available via a deferred payment program.

Currys allows monthly credit payments on purchases over 250 pounds and also allows payments starting after 6-9months. Stores like Harvey Norman offer quick credit options that include interest free periods, small monthly repayments and even the option to pay later. Argos offers a store card so one can get a laptop on credit. Maplin Electronics Ltd offers credit terms that depend on the person status and payment generally has to be made at the end of the next month. Argos offers a store card so one can get a laptop on credit.