Financing

Depends on where you get your financing. If you're using the Bread service you could ask them directly. But honestly I have never met a finance company that didn't take larger payments. That's why it is always listed at "Minimum Payment Due".

More is usually better for you as well as you're not paying so much interest on the principle.

Under normal circumstances:

Financing - get product, promise to pay with product held in lien. With higher end items like cars, that means if you default on the loan to pay it back they come and take the item back (repossession).

Lay-Away - Pay the entire balance up front before you can get the product. Usually with the proviso that if you stop making regular payments you lose not only the product but the monies you've put toward it.

But, in this case, for Digital Storm, their financer is "Bread". You apply for the financing and when they approve you Digital Storm starts making your computer. They ship you the machine right around the due date of the first payment. (That's not planned, that's just the timing of both industries.) Then you have a computer and you continue to make monthly payments to Bread. Note that Digital Storm is not financing you... it's like your rich uncle Bread buys you the machine and you have to pay him back. DS has nothing to do with the payments or payment schedule. They get paid upfront either way you go.

Hope this has been even a little bit helpful. My younger self would have loved to have known this to save me from some difficulties when I was just "starting to adult" as you say.

Good luck!!

Boost your credit by financing stuff with the option of paying early without penalty, not by actually paying 10% interest.