Gaming Computer Financing For PCs, Desktops & Laptops

How does financing a gaming computer work?

With gaming computer financing, your dream setup is well within reach. Whether that set up is a custom build or you’re eyeing a top of the line gaming laptop, financing allows you to break up the cost of that rig into installments. Financing gaming PCs enables gaming enthusiasts to split up the costs of upping their game without breaking the bank. Just like there are levels to most games, financing a gaming computer consists of several steps - and maybe a couple of side quests - but it can be a relatively quick and straightforward process, especially when you know where to start.

1. Determine your needs and budget: The cost of a gaming PC can vary significantly between models and components. Consider your gaming needs against what may be realistically affordable before shopping for a gaming PC loan. 
2. Compare financing offers and options: Two popular options for gaming desktops are retailer financing and personal loans. Weigh your options, and compare real offers when you’re ready. At Acorn Finance, you can check personal loan offers in seconds with no credit score impact. 
3. Proceed with the offer of your choice: If you’re using a personal loan, you’ll want to accept the offer and obtain approval and funding before purchasing the gaming desktop. If you’re using retailer financing, you can complete financing at checkout in most cases. 
4. Repayment: Regardless of the type of gaming desktop financing you use, you’ll need to prepare for the repayment schedule agreed upon. 

What are the benefits of financing  a gaming pc?

Even if you have the cash available to purchase a gaming pc, you may still opt for financing. While benefits can depend on your situation, here are some of the benefits that can apply. 

• Build credit: Borrowing money, and repaying it on-time can help boost your credit score. 
• Keep savings intact: The ability to repay the loan in installments can help keep cash flow and savings healthier. 
• Higher quality equipment: Financing can help expand your budget. 
• Fast access to funds: Like we said, nobody wants to wait months and months before being able to fund their hobby. Online personal lenders are usually able to distribute funds quickly - so you can start playing better, sooner. 

What types of gaming computers  can I finance?

Gaming computers can come in all shapes and sizes, and can even be completely customized to suit your needs and budget. Most types of gaming computers can be financed. Determining the type of gaming computer you want, and how much it will require you to borrow can help you find the right type of loan. 

• Complete gaming desktops: Pre-built gaming desktop computers make it easy for gamers to immerse themselves into gaming faster than ever. Simply plug and go. With quality cooling systems and dependable performance, complete desktops are ideal for serious gamers.
• Custom built gaming PCs: For gamers who may be more particular about their desired specs, or for those who simply enjoy a project, custom built gaming PCs are also popular among serious gamers. 
• Gaming laptop: Gaming laptops  offer most of the same benefits as a gaming desktop with the added benefit of portability. Gaming laptops can be more expensive than their comparable plug-in counterparts. 

How much do gaming computers cost?

Gaming computer costs can vary widely based on processing speeds, storage, space, portability, and more. Here are a few different categories of gaming computers you can shop. 

• Budget: For entry-level gamers or those who prefer playing older titles, a budget gaming PC may be perfectly suitable. A budget prebuilt gaming desktop may run just south of $1,000, while an entry level gaming laptop may be a couple hundred more. 
• Midrange: An average gaming PC can suit the needs of most players and can run upwards of $1,300 and into the $2,000 range, depending on the gamer’s preferences.  
• Top of the line: The sky is the limit - especially with high-end custom gaming PCs. Serious gamers can expect to pay somewhere around $4,000 for a bare bones high-quality gaming computer. 

Are there financing options for custom built gaming computers? 

Gamers do have options when it comes to financing custom built gaming computers. 

• Retailer financing: Some gaming computer retailers may partner with third-party lenders to make financing available for their gaming PCs. 
• Credit cards: Credit cards can be an option for custom built gaming computers, but typically come with higher interest rates than other gaming computer financing options. 
• Personal loans: Personal loans are a type of installment loan that offers access to a lump sum of cash, to be repaid in fixed installments with interest over a predetermined period. They can offer more flexibility than retailer financing and can be a more cost-effective solution compared to credit cards. 

Can I finance a  gaming computer with bad credit?

Bad credit borrowers may be able to find financing solutions. However, for a nice to have gaming computer, you may want to spend time boosting your score before applying for a loan. When the time is right, take out the loan that works for you and repay it on time to continue boosting your score even more. 

Is a gaming laptop a good investment?

A gaming laptop can be a good investment for gamers who need portability or saved space. Without the extra bulk of a keyboard, mouse, or separate monitor, gaming laptops allow game enthusiasts to play anytime and anywhere. 

Can I finance a gaming computer with no credit check?

In most cases, gaming computer financing will require a credit check. While no credit check loans do exist, they can come with low loan amounts, short repayment periods, and high fees. For non-emergency things, boosting your credit score or applying with a co-signer with good credit can be better options. 

Why choose Acorn Finance for gaming computer financing?

Acorn Finance partners with top national lenders to provide a secure platform for consumers to check loan offers through. With access to more lenders in one place, you can increase the chance of returning an offer. While you might love to play games, they are something you’ll want to avoid when it comes to getting a loan. Our lending partners can offer a straightforward lending experience, starting with our simple process designed for checking offers. From your smartphone or computer, you can unlock offers in seconds with no credit score impact. Whether you’re just shopping around, or serious about the idea, you can do your due diligence without any commitment or impact. The convenience of comparing offers from multiple lenders in one place can help you find the right loan offer seamlessly.