A personal loan is pretty straightforward. Apply for a loan through the lender networks we’ve recommended above. These lenders specialize in helping people with a poor credit score get a loan term they can live with. Another option is to buy a computer directly from a store and do the financing through the seller. But this can be much more expensive than a personal loan. Leasing a $1,000 computer for a year may cost you double that amount when the lease fees are added to the original price. Borrowing $2,000 through a personal loan for a year at a 20% interest rate costs only about $200 in interest. Store direct computer financing, such as that offered by Flexshopper, avoids having to get a loan and the computer can be paid for directly with the seller’s finance department. Store financing also offers a weekly payment option that can make a computer affordable. Payments are spread out over a period and the computer is all yours when it is paid off. Some plans allow you to buy the computer outright for the original cost after leasing for about a month or so. This can save you a lot of money on leasing costs.