I have been in the market for a new laptop in the past months. I do have my own desktop PC at home and a laptop which the office lets me use. However, I do not want to keep on relying on the office laptop even for my personal purposes. This is most especially true when I go on out of town trips. Though my boss has expressly given me permission to lug it around with me, we all know that I am ultimately responsible if something happens to it while it is under my care. More so, I have other personal businesses that I tend to using the laptop and I just do not feel right having to use the office machine for personal business.
So I have decided to buy a new laptop for myself. However, each time that I was on the brink of purchasing one, some other more important expense would come up, leaving me short of cash. I do not want to use my credit card as I have an existing balance that I still need to pay off. The other day, however, I chanced upon this promo booth for a laptop manufacturer. Since they are not one of the big brands, they are currently on an aggressive marketing campaign which aims to make people aware of a cheaper choice without sacrificing quality. They also have very good payment terms. My only concern now is where to get the down payment. See, they have zero percent installment schemes for 6, 12, or 24 months. I want to get the 6 month scheme as I do not want to be in debt for a long time. I do need to lay out a bit of cash for the down payment, though. Or better yet, if I can get my hands on several hundreds of pounds, I can pay cash – yes it is cheap – for the whole thing!
As I was wracking my brains for options, payday loans once again entered my mind. I can probably get the whole amount for the laptop through a payday loan. The worst case scenario would be that I would only get enough to give a down payment. In any case, I would still be able to afford the laptop during this promo period!
Since payday loans are meant to deal with immediate cash needs, I can rest assured that I will have the cash in my hands within a couple of days or even less. Let’s say I apply for a payday loan this morning. I only have to go to the web site of any payday loan lender that services my area. I can opt to go with a payday loan lender that I have used before. This means that my borrowing limit would be higher. This, in turn, translates into the fact that I can pay for the whole amount for laptop in cash. However, I can also opt to look for other payday loan lenders who might have better deals at the moment. This means lower charges and better repayment terms. However, this would mean that a lower limit on the amount that I can borrow will be implemented. That is, if I have not used this payday loan lender before. Depending on the lower limit that they set, I can either get enough money for a down payment or maybe even the whole thing.
So once I decide and send in my application, all I have to do is to wait for an hour or so for the reply. I know that I will get approved as the requirements for getting approved are very easy. Once I get approved, I will have the cash in my bank account tomorrow – if I am lucky, maybe this afternoon. After that – time to play with my new laptop!