FINANCING FOR ALL CREDIT TYPES

Buying a PC has never been so easy. Pay for your dream computer at your own pace with our flexible financing options.

FINANCE THATS

FLEXIBLE

Affordable Monthly Payments

Quick and Easy

Application

Get a decision in seconds with no obligation to buy. Checking your rate won’t affect your credit score.

No Payment

Penalties

Pay for your purchase with monthly payments and prepay at anytime without a penalty.

How it works

1

Add items to your cart (or shopping bag).

2

Check out with Shop Pay.

3

Choose the option to pay in installments.

*Rates from 0% APR or 10-36% APR. Payment options through Shop Pay Installments are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. State notices to consumers https://www.affirm.com/licenses.

buy now, pay later

Pay over time in 4 interest-free payments or monthly

payments.*

STEP 1

Shop

Add items to your cart, choose PayTomorrow at checkout, get a real‐ time decision without affecting your credit score

STEP 2

Select Your Customized Offer

PayTomorrow instantly evaluates Your specific credit profile and customizes an offer just for you.

Fair Financing for All Credit Types !

STEP 3

Enjoy Your Purchase

Get your item now and make payments over time.

Quick Approval

Get a real-time decision.

Flexible Payments

Pay in 4 and more.

No Surprise Fees

There are no late fees.

PAY IN 4

Shop smarter with Zip, previously Quadpay. No impact on your credit score. Just 4 installments over 6 weeks.

Select ZIP on the payment screen in checkout for the quick approval process.

SAFER THAN CREDIT

Don't pay more to pay later. We charge a $1 convenience fee per installment. That's it!

INSTANT APPROVAL

Our instant approval decisioning process has zero impact on your credit score.

SIMPLE & TRANSPARENT

No fine print, so you'll always know what to expect.

STEP 1

Shop

Add items to your cart, choose PayTomorrow at checkout, get a real‐ time decision without affecting your credit score

STEP 2

Select Your Customized Offer

PayTomorrow instantly evaluates Your specific credit profile and customizes an offer just for you.

Fair Financing for All Credit Types !

STEP 3

Enjoy Your Purchase

Get your item now and make payments over time.

Buy Today, Pay tomorrow!

All credit types - Including Good Credit, Bad Credit, Low Credit, and No Credit

GET MY RATE

STEP 1

Shop

Add items to your cart, choose PayTomorrow at checkout, get a real‐ time decision without affecting your credit score

STEP 2

Select Your Customized Offer

PayTomorrow instantly evaluates Your specific credit profile and customizes an offer just for you.

Fair Financing for All Credit Types !

STEP 3

Enjoy Your Purchase

Get your item now and make payments over time.

Straightforward Pricing

Simple transparent terms. No prepayment penalties. No deferred interest.

Quick & Simple

Applying is easy. All we need is a few pieces of information and you get a decision in seconds.

Automatic Payments

Not a Credit Card

Always know how much you’ll pay. Easy equal installments. No surprises.

We provide easy and affordable financing through our partner,

Bread, so you can pay for your purchase over time.

Get a decision in seconds without leaving our site.

No Prepayment

Penalties

Our instant approval decisioning process has zero impact on your credit score.

Affordable

Monthly Plans

Pay for your order over 3, 12, 24 or 36 months at competitive interest rates.

Quick and Easy

Application

No fine print, so you'll always know what to expect.

Questions?

Check Bread’s FAQ or reach Bread directly at support@getbread.com or (844) 992-7323 ext. 1

*Subject to approval of credit application. Rates range from 5.99% to 29.99% APR, resulting in, for example, 24 monthly payments of $46.14 at 9.99% APR, per $1,000 borrowed. APRs will vary depending on credit qualifications, loan amount, and term. Bread® pay-over-time plans are loans made by Comenity Capital Bank.

Go

shopping

Just select Affirm at checkout when shopping to see your payment options.

This eligibility check won't affect your credit score.

Choose your

payment terms

You’re in control. Pick the payment option that works for you and your budget—from 4 interest-free payments every 2 weeks to monthly payments.

Make your

payments

Manage your payments in the Affirm app or online, and set up AutoPay so you don’t miss a payment. But if you do, you’ll never pay any fees.

*Payment options through Affirm are subject to eligibility, may not be available in all states, and are provided by these lending partners: affirm.com/lenders. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lenders Law license

Buy now, pay later with Affirm*

Go

shopping

Just select Affirm at checkout when shopping to see your payment options.

This eligibility check won't affect your credit score.

Choose your

payment terms

You’re in control. Pick the payment option that works for you and your budget—from 4 interest-free payments every 2 weeks to monthly installments.

Make your

payments

Manage your payments in the Affirm app or online, and set up AutoPay so you don’t miss a payment. But if you do, you’ll never pay any fees.

Why Affirm?

With Affirm, you’ll never owe more than you agree to up front. Instead, you’ll always get a flexible, transparent, and convenient way to pay over time.

We keep it simple

When you can choose a payment option that suits your budget, it’s easy to get that interview outfit or go on your dream vacation.

We never charge fees

You'll never pay late fees. Or annual fees. Or hey-it's-a-random-day-in-April fees.

We tell it like it is

With credit cards, the longer you take to pay off your balance, the more expensive your purchase becomes. With Affirm, you always know exactly what you'll owe and when you'll be done paying off your purchase.

COMPUTER & LAPTOP FINANCING FAQ

WHY SHOULD I FINANCE MY COMPUTER, LAPTOP OR ACCESSORIES?

It can help your credit score and if you are low on funds and need a new Computer or Laptop it is a good fast option.

WHAT DO I NEED TO GET COMPUTER, LAPTOP OR ACCESSORIES FINANCING?

All you need to do is click one of our easy financing options at check out and fill out the required information.

WHAT ARE MY COMPUTER AND LAPTOP FINANCING OPTIONS?

Our family is proud to partner with PayTomorrow and Affirm. All you need to do is click one of our easy financing options at check out and fill out the required information. You can also get pre-approved by clicking one of our financing options at the top of the page and filling out the information.

HOW DOES FINANCING A COMPUTER OR LAPTOP WORK? HOW DOES FINANCING ACCESSORIES WORK?

1. Shop and Add to Cart

2. Choose one of our financing options

3. Get approved and check out

4. Enjoy your new computer, laptop or accessories

ONCE I GET PRE-APPROVED FINANCING WHAT DO I DO?

Once you get pre-approved all you do is add your new computer, laptop or accessories to cart and check out. It's as easy as that. If you have any questions or concerns about what system is best for you, Contact Us.

WHAT IF I HAVE NO CREDIT AND WANT TO FINANCE NEW A NEW COMPUTER, LAPTOP OR ACCESSORIES?

That's easy! You can apply for pre-approval or just add the computer, laptop or accessories you want to cart and click one of our computer, laptop or accessories financing options.

WHAT IF I HAVE BAD CREDIT AND NEED A NEW COMPUTER, LAPTOP OR ACCESSORIES?

Our financing partner PayTomorrow can help get you the computer, laptop or accessories you need. You can apply for pre-approval or just add the computer, laptop or accessories you want to the cart, then click the PayTomorrow checkout option.

HOW DO I KNOW I QUALIFY FOR FINANCING?

Just apply and you will get an email stating if you qualify.

DOES COMPUTER, LAPTOP OR ACCESSORIES FINANCING HURT MY CREDIT?

No, it can help your credit once you have completed your financing payments within your agreed terms.

DO YOU OFFER PC, COMPUTER, LAPTOP FINANCING FOR PEOPLE WITH LOW CREDIT?

Yes, we would love to help into your dream pc with a payment plan that fits your budget.

CAN I GET FINANCING FOR GAMING COMPUTERS, PC'S, LAPTOPS, GAMING LAPTOPS, CUSTOM PC'S IF I HAVE EVER FILED FOR BANKRUPTCY, HAD MY HOUSE FORECLOSED, MADE LATE PAYMENTS, BEEN SUBJECT TO COLLECTIONS, REPOSSESSIONS, JUDGMENTS, LIENS, OR HAVE HAD MY WAGES GARNISHED?

We try our best to help everyone. Our financing partner PayTomorrow, will not automatically decline someone who has had a previous bankruptcy, mortgage foreclosure, or other adverse events impact their credit. They rely on your current credit score to reflect how much that bankruptcy or other mishap is currently affecting your ability to pay. If you are presently in bankruptcy proceedings, then our options to help you obtain financing are limited.

ENJOY THE BENEFITS OF YOUR TAX RETURN TODAY WITH FINANCING!

Most Americans enjoy some sort of money back from Uncle Sam for overpaying taxes to the government throughout the previous year. This stimulus can be used for paying off debts, adding to a savings account, or used for debt-free spending. Pay off your credit cards to avoid paying additional interest, bolster the “emergency fund” to help cover you and your family with an unforeseen expense, or put money toward a purchase that would normally go on a credit card.

Choose from a wide selection of Computers & Laptops specific needs at www.xoticpc.com. When it comes to payment, take advantage of PayTomorrow’s 90-day early buyout option and low initial payment. This allows you to get the Computer PC or Laptop and accessories you need. Then, when you receive your tax refund, use those funds to pay off your purchase without paying interest! Utilizing PayTomorrow’s early buyout option is a great example of debt free spending and can make your tax return benefit you now!

Need more help?