Laptop Finance

..Brian..

Is there anywhere you can buy a laptop on finance in Ireland (apart from Dell)? Found a few options in UK and Europe but they obviously won't finance non residents of their respective countries.

Torqay

..Brian.. wrote: »

Is there anywhere you can buy a laptop on finance in Ireland (apart from Dell)?

Argos... only 23% APR!

..Brian..

Dang

Merl1n

i think pc world and currys still offer this

you would be better gong and getting a loan from your local credit union

..Brian..

That is looking like the best bet. Thanks for the replies guys!

For Forks Sake

Merl1n wrote: »

i think pc world and currys still offer this

you would be better gong and getting a loan from your local credit union

Think they got out of that a few years back. Harvey Norman have their FlexiRent service, but I'm not up to date on the exact details of how that works.

The Bishop Basher

For Forks Sake wrote: »

Think they got out of that a few years back. Harvey Norman have their FlexiRent service, but I'm not up to date on the exact details of how that works.

Pretty good. Pay over 1, 2 or 3 years. Fully insured for the duration. Buy it back for a couple of payments at the end of the term or upgrade and keep what you have.

unkel

Pretty good? It's about 23% APR and you never own the goods until the final payment.

I wouldn't be interested myself in buying a €500 laptop and paying €1,000 for it

Google flexirent and shiver!

OP - would you not save up, buy a second hand laptop or at least get the money somewhere cheaper (credit union, family member loan, etc.)?

The Bishop Basher

unkel wrote: »

Pretty good? It's about 23% APR and you never own the goods until the final payment.

I wouldn't be interested myself in buying a €500 laptop and paying €1,000 for it

Google flexirent and shiver!

True. You will have to pay interest but when you factor in the fact that you're covered for accidental damage, breakages and theft for the lifetime of the contract, it negates a significant portion of that.

I bought an Ipad for €400. I will pay €600 over 2 years. A quick check on gadget insure quotes me €110 for 2 years cover. So i'm paying €4.75 p/m in interest. I can live with that.

And the fact that you don't own it is irrelevant. 2 monthly payments 3 months before the end of the contract and it's mine. Or I can choose to upgrade which is likely and it's still mine. I'd prefer that they own it in the meantime as if anything happens it's their problem. Not mine.

It's important to look at the deal in it's entirety. Not just the top or bottom line.

Enright

Harvey Norman also do it, check with your Credit Union if you qualify for a loan

hfallada

My grandmother calls hire purchase the never never cause your never own the item. If it's an expensive laptop use a credit union loan. It's like 9-12% compared to 23-27% for hire purchase.

Would you not try to save up for a laptop. Sometimes a decent laptop is only like €350 on special

unkel

Swanner wrote: »

you're covered for accidental damage

There's something to say for buying accidental cover on an item that is quite likely to get lost / damaged like a phone or a tablet

But if you google flexirant and accidental damage claims, it ain't pretty.

flyguy

Got the HN leaflet with today's paper and couldn't believe the flexirent. Was expecting only negative topics if I'd search boards for it, but actually even find one positive reply in this topic (this was the most recent one about flexirent I could find)
So to break it down:
iPad mini, cost €339 but with 36months flexirent €613! Nearly double! Then I read you don't own it after 36months, not a big deal?! Really?! It will probably be worth about 30% of its new price then so that's another €100 gone. Oh and the insurance cover? Great, but just the value of the product (that you don't own) at the end of term will cover that. Upgrading (and starting this whole thing again) hmmm how about you sell the old one, add about €200 and get a new one, instead of paying €613 again?
The mini is the cheapest thing in the leaflet, a 21.5 inch iMac (€1399) will cost a whopping €2400 with flexirent and on that the insurance is pretty useless as it will most likely be covered by your home insurance...
First of all I think you must ask yourself if you really need it, if the answer is yes and you can't just pay/save for it get the cheapest loan you can get (probably credit union)...
This topic belongs in rip-off Ireland IMHO;-)