Electronics drive our daily world and computers have become integral parts of our lives. And in this world of constant hurry and impatience, a laptop that can fulfil your requirements reasonably well is always preferred over a desktop. However, good laptops are not easy on the wallet and sometimes you need to shell out big bucks to afford the one that fits you perfectly. Not everyone can afford products on cash and it’s understandable. There are numerous finance and payment schemes that could benefit the customer substantially. Although originally seen to be expensive, laptops can now be afforded even without cash at that moment due to a number of credit schemes.

Paying later is always a good option because you can buy the laptop you want at the time you feel its necessity and want to buy it, without having to splurge your money all at once. There are schemes which allow you to pay a certain percentage of the actual cost monthly or weekly depending on your convenience. Paying monthly is always a better option because in general, most businesses pay their employees on a monthly basis. Saving up a certain fraction of your salary for the laptop’s monthly instalment wouldn’t hurt your bank account much.

An interest free holiday as a welcome sign is common for new customers who are willing to buy from stores on credit and pay monthly for it. Usually the stores charge the customer a percentage of the original cost to be paid upfront and the rest of it over duration of 12 months. However, an interest rate is set on the product and it is good to get a complete picture of whether it is benefitting you before you choose to buy the product. As compared to other credit options, it should be noted that this option would be more expensive eventually. You can generally minimise the amount you’re paying on interest by starting off with a high deposit or by paying off your instalments at sooner intervals. That way the end cost would decrease substantially when compared to the regular pay-monthly plan.

There is an invariable increase and development in catalogues offering pay monthly features. Generally the customer wouldn’t require a credit card for transactions through these payment schemes but he/she needs to apply for credit and have it approved. Several popular catalogues offer pay monthly laptop plans. All stores have attractive offers for the customers; some catalogues have offers of up to one-month interest free credit while Woolworths has a three-month interest free period. Both the stores spread the payment over a period of 12 months.