Dell delivery

esperanza

How long does it generally take Dell to deliver a computer?

Ruu_Old

It depends how much changing you have made to the original build, normally around a week or so from my experience.

Kiith

i got mine in 5 days, with a fairly modified dimension 8300. but that was about 3 years ago...

esperanza

I don't want any extras, just what is already included in the price. I would prefer to buy it on credit. How tough are dell financing on income and so on?

Ruu_Old

I think they finance through Permanent TSB, have you got an account there?

esperanza

Ruu wrote:

I think they finance through Permanent TSB, have you got an account there?

No, I don't. should it really matter if i have about 1000 euro of income per month ... surely, that would be a sufficient guarantee to make repayments?

Ruu_Old

It probably won't matter, you will be fine.

Ronan Raver77

Interest rates with Dell are huge you will be adding on a couple of hundred euro if you go with dell finance.

esperanza

Ronan Devitt wrote:

Interest rates with Dell are huge you will be adding on a couple of hundred euro if you go with dell finance.

yeah, i know, but i don't have the cash at the moment and need a computer!

red_fox

I'd suggest getting a short term loan from your bank or local credit union before using Dell finance. As for delivery, the last one I heard was ordered on a Tuesday morning and delivered that Thursday!

esperanza

red_fox wrote:

I'd suggest getting a short term loan from your bank or local credit union before using Dell finance. As for delivery, the last one I heard was ordered on a Tuesday morning and delivered that Thursday!

I already have a loan with my bank, so not possible.

The cost of the computer is 584 euro incl. vat and shipping.

vat is 17.9%. how do i calculate the extra cost?

red_fox

Just looked at Dell there and APR is 17.9% and it seems to be a 3yr loan so, and I'm open to correction on this, but it means you'll be paying 17.9% of the €584 each year in interest and related charges, so for the 3yrs the €584 plus finance would cost you a total of about €900!! (€897)

Although I assume you're looking at the Dimension 3100 by that price, so if you reduced the warranty to 1yr collect and return the price would be €499, so finance would mean a total cost of about €767. That said if you were to meet with your bank manager you might be able increase your loan by €500, ultimately as long as the bank is satisified you can make the repayments it means more business for them, and should work out better for you.

esperanza

red_fox wrote:

Just looked at Dell there and APR is 17.9% and it seems to be a 3yr loan so, and I'm open to correction on this, but it means you'll be paying 17.9% of the €584 each year in interest and related charges, so for the 3yrs the €584 plus finance would cost you a total of about €900!! (€897)

Although I assume you're looking at the Dimension 3100 by that price, so if you reduced the warranty to 1yr collect and return the price would be €499, so finance would mean a total cost of about €767. That said if you were to meet with your bank manager you might be able increase your loan by €500, ultimately as long as the bank is satisified you can make the repayments it means more business for them, and should work out better for you.

yeah, that's crazy! thanks for your help!

esperanza

red_fox wrote:

Although I assume you're looking at the Dimension 3100 by that price, so if you reduced the warranty to 1yr collect and return the price would be €499, so finance would mean a total cost of about €767.

On the dell site, they say a computer at €499 has a total amount repayable of €615.14 with the same interest rraye of 17.9% apr. are you sure you calculated right?

That Guy 901

I was in the same situation as you mate.

If you are a member of a credit union, I strongly recommend getting a loan off them. Thats what Ive done and never looked back. If your getting a comp worth €500 this would be the best option.

Hope this helps.

red_fox

I was thinking those figures were a bit high, I've been corrected! I did a google search and turned up http://www.paulgriffiths.net/web/finance.html#repay and entered the €499 and 17.9% over 3yrs and got €636.72, which isn't the same but it's close.

Sorry about the mistake!

esperanza

red_fox wrote:

I was thinking those figures were a bit high, I've been corrected! I did a google search and turned up http://www.paulgriffiths.net/web/finance.html#repay and entered the €499 and 17.9% over 3yrs and got €636.72, which isn't the same but it's close.

Sorry about the mistake!

thanks for that link. i forgot to mention you have to pay a 10% deposit upfront. so that reduces the cost of repayments by about 20 euro.
so for the computer i want (584 euro), I'd be paying 145.06 for the loan (total amount repayable: €670.66), which isn't bad. perhaps it is possible to pay off the whole amount before the 3 years is up if i come up with some extra cash during that period.

Mr. Presentable

esperanza wrote:

so basically, they are lying by an estimated €20 on the Dell site!!

Unless of course PaulGriffiths is wrong...

As to the OP OQ, 2-3 days for a standard build.

red_fox

Right, so I decided to actually work the thing out from the basics, given APR find the monthly rate (compound) then with the unknown monthly repayment subtracted each month and interest added it all works out to say Paul Griffiths is right!! So that's what you'll pay Dell, but they quote that price anyway.

The simple fact is that you'll pay less to a bank (10.5% APR in BOI, AIB seem to require the amount to be over €1000, and I didn't check the rest) or prehaps less again to a credit union, and you'll certainally be able to get them over a shorter term, I'm not sure if Dell would let you pay it off sooner, they'd be losing out if they did. Personal loan is the best way to go.

PogMoThoin

Credit Union .....FTW
If you got E500 in Credit union, its cheaper get a loan off them for E500, than it is to take that E500 out cos the dividends are higher than the repayments.
Hard to believe but true.