By now even those who have resisted going electronic for decades must realize that life without a computer is extremely limiting. In addition, for many of us in this busy age, we need that computer to be portable. However, how do those of us who have made some financial mistakes get laptops with bad credit? It is surprisingly easy if you do a little homework.

Probably the quickest way to get just about anything without credit is through an outfit like Rent-A-Center. While it is true that almost all major brands are available, including Sony, in most cases if you have no credit or bad credit you will end up paying a significant amount more than the market value of the laptop. Think about the fact if you take a signature loan from such a company, the interest rate is twenty percent. It is also good to remember that if you should be unable to make rent-to-own payments, you will lose both the computer and all the money you have so far invested.

Another option is in-store credit. Many well-known stores and chains offer a line of credit specifically for their customers. It is not like getting a credit card to use for other purchases and, again, the finance charges are liable to be quite high, but sometimes this is the best course of action for buying a laptop.

Consider a computer club. Many do not even think of this because it sounds as if it is just a place where computer geeks hang out together, but in fact many of these clubs offer computer financing with no credit check whatsoever, although many will require proof of employment or income.

There is also the layaway plan, which has made a big comeback in these tough financial times. There is no finance charge and payments can be relatively small. Make sure that you investigate the terms fully, including accessibility of merchandise, early termination and cancellation fees.

Lastly, there is something else those who are looking to acquire laptops with bad credit financing might try. Even if you do not work for a computer firm, it is a good idea to check with your employer to see if there is any program in your company to help employees purchase used computers. Also, check with other companies. You can often buy secondhand computers with pre-installed office programs from big corporations for as little as $250. Some have exterior dings, but if you do your due diligence, you might be able to save a bundle, regardless of your credit.