Here are some of the factors that you can consider before taking a laptop loan: Credit Score: Having a good credit score can help fetch you better deals on your loan like low interest rates, higher ticket size, etc. Repayment Capacity: Check your repayment capacity before applying. This might help you manage your finances in a better way. EMI: Calculate your EMI beforehand to have a better understanding of your repayment obligations. To do so, you can use the Navi Personal Loan EMI Calculator.