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Monthly payment question

Post Date: 2019-08-28
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JoseRivas View Drop Down
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Posts: 2 		  Quote JoseRivas Quote  Post ReplyReply bullet Topic: Monthly payment question
    Posted: 28 Aug 2019 at 7:58pm
If I’m going to chose the monthly payment option in the payment tab, will I get the computer first and pay it off or will I have to pay it off and then I can get the computer? Please help I am considering about buying my first pc so any other tips will help too. Thanks
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HockeyBuck View Drop Down
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Posts: 1608 		  Quote HockeyBuck Quote  Post ReplyReply bullet Posted: 28 Aug 2019 at 8:31pm
Welcome to the forum JoseRivas!

I have not used Bread, but others here have said you will submit your order with DS, and when Bread approves financing they build it and ship it.   In the past, build delays or shipping delays have had some customers making a first payment before receiving the computer.   You will have to ask DS and Bread about those details when you order.   
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Alci View Drop Down
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Posts: 250 		  Quote Alci Quote  Post ReplyReply bullet Posted: 29 Aug 2019 at 6:09am
Don't finance dude. Have a little patience and save up for it. You'll probably end up paying 20%-30% more going the financing route.
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hoserator View Drop Down
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Posts: 7966 		  Quote hoserator Quote  Post ReplyReply bullet Posted: 29 Aug 2019 at 10:44am
Originally posted by Alci

Don't finance dude. Have a little patience and save up for it. You'll probably end up paying 20%-30% more going the financing route.



How do you figure?
Whereas I agree that if you can you should not finance, I don't think the interest payment and fess add up to your estimate. But I will admit that I don't know how Bread works. So if I am mistaken, please correct me.
Oops
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Tamshin View Drop Down
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Posts: 16 		  Quote Tamshin Quote  Post ReplyReply bullet Posted: 29 Aug 2019 at 2:18pm
Click the link to get qualified. I was qualified for zero percent interest for up to 6 months. Above 6 months, there was interest.

My order went in a couple days ago. My first payment is due in a month. I expect my new computer to arrive in about a month as well.

Edited by Tamshin - 29 Aug 2019 at 2:18pm
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JoseRivas View Drop Down
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Posts: 2 		  Quote JoseRivas Quote  Post ReplyReply bullet Posted: 29 Aug 2019 at 3:33pm
Originally posted by Tamshin

Click the link to get qualified. I was qualified for zero percent interest for up to 6 months. Above 6 months, there was interest.

My order went in a couple days ago. My first payment is due in a month. I expect my new computer to arrive in about a month as well.

What computer did you get. I’m looking at the lynx Ultimate. Also is the site reliable
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Cretae View Drop Down
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Posts: 7331 		  Quote Cretae Quote  Post ReplyReply bullet Posted: 29 Aug 2019 at 10:39pm
I used Bread to spread my payment over 3 months at 0 interest. They were very pleasant to work with, and very professional. I can easily recommend their service.
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Snaike View Drop Down
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Posts: 9462 		  Quote Snaike Quote  Post ReplyReply bullet Posted: 30 Aug 2019 at 1:54am
Just an aside... for those who wish to increase their credit score, financing through Bread for 0% over 6 months is a good way to do it. If you have the cash on hand, simply put it in a separate account, finance the purchase through Bread and make the monthly payments.

Doesn't cost you any extra (and in some cases you could earn a little it in interest) and your credit score will improve as you've proven to be a good risk.

Just my 2¢....
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Alci View Drop Down
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Posts: 250 		  Quote Alci Quote  Post ReplyReply bullet Posted: 30 Aug 2019 at 12:53pm
0% for 6 months is fine if you pay it off. There's still probably going to be fees involved for this option.  Most who have to finance will not pay it off before the elevated interest kicks in. This is the goal of the financier. (I hope that's a word). They're not lending you money because you're just awesome. Just read the fine print.


Edited by Alci - 30 Aug 2019 at 12:58pm
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