There are moments in life that you really need. For example, those in which a much-needed item simply gives up “the mind” without warning. Especially when it comes to the, perhaps professionally needed notebook. In such a case, replacement must be faster. However, it will be problematic here if your own, currently available funds are not available. So what do you do? Remedy can be here a readily available and at any time requestable credit for a notebook .
Credit for a new notebook – the financing options
If you are in the awkward situation of having to buy a new, adequate notebook at short notice for personal and / or professional reasons, without resorting to the expensive credit line, you have basically two options for alternative financing:
- The zero percent financing at the dealer
- The cheap mini loan with short term and fast payout
Both possibilities of financing are considered especially if the new notebook has to be available quickly.
New notebook thanks to zero-percent financing
Undoubtedly, zero-percent financing at the dealer is one of the most attractive financing options for a new notebook dar. The advantage lies in this form of loan is obvious: one goes to the dealer, picks the right notebook and agreed by the dealer to buy the notebook on installments , However, it should be noted that the credit for the new notebook is not taken directly from the dealer, but at the partner bank cooperating with dealers. Which means that the lending bank sets the same standards for credit checking as for a “normal” consumer credit or consumer credit . For this reason, zero-percent financing of PCs and / or notebooks / tablets is generally not a suitable loan type for consumers with low credit, irregular income or temporary employment. It should also be noted that zero-percent financing as well as consumer credit the house bank has a minimum credit period. Although this lowers the amount of monthly loan installments, it will burden your own monthly household budget in the long term.
Attractive alternative: Notebook by mini loan
An interesting as well as attractive alternative to financing a new notebook can be a readily available and low-interest mini-loan . Above all, mini loans are characterized by the fact that they can be applied for online at any time within a very short time. Through a freely selectable option called express payment, the requested microcredit is also available on its own account within 24 hours. The advantage of the mini-credit for a new notebook is not only a favorable interest rate, but above all, the fact that the repayment term is often much lower (up to 3 months). So you’re faster debt free again. In addition, due to the special features of a mini-loan, the topic SCHUFA is viewed more culturally by most providers than the traditional house banks do.