Dell Financing Question

I ordered my lappy using the Dell Preferred Account. My question is, when will I have to start making payments? I mean logically they shouldn't make me pay until i get my notebook right?

-Taylor

 

Well... technically its not YOURS until you finish the payments.

You do realize that you'll be paying more through individual payment than you would be by buying it outright, right?

Unless you just can't fork over the money on the spot, it's better to give Dell all the money at once (preferably in a large, silver suitcase )

 

theTORCH is right, the dell preferred account is a ripoff. Go see a bank and get better rates. Or at the very least, pay it off early if you can, the interest rate you'll pay will likely cost you 3 laptops to 1 in the end.

 

I ordered mine with DPA on 7/22 and don't have any payments due until 9/12.
If you have the Dell care package added to your order and paid with your DPA then you would not occur interest for 6 months. If you didn't add the dell care package I suggest you pay it all off with your checking account and NOT your credit card. (The bank charges you a cash advance fee for balance transfers.)

 

technically the worst rate is 29.99%. so a $1000 laptop will cost you $300 in intrest = $1300

 

My cousin thinks she's so cool because she got a credit account with them, too.

 

lol because she thinks shes a "preferred" dell customer. when in the end they just prefer she pays 29.99% on her purchases with them.

 

I would rather be able to pay upfront. I just don't have the money. I'll have it payed off in a few months if everything goes as planned. I didn't get the complete care package.

Thanks,
-Taylor

 

That's reasonable then, especially if its worth it to you to have the laptop now instead of waiting for the time when you can pay for it all.

I just wanted to make sure that you weren't getting ripped off.