UK DAW capable PC on 0% finance? Where?

[the donal]

Hey,

I'm still rocking a Dell P4 2.8Ghz and it's starting to creak, so I'm thinking I want to start considering options on a new audio PC.

Ideally, I'd like an i7 with few frills,s o it'll be good for some years to come and also so I can use for other tasks (interwebZ, general media player etc). I'll also be going for tower (or preferably a rackmount), rather than laptop.

So- do you know of any DAW pc builders or even a ProSumer PC that I can get on 0% finance (preferably NOT through Creation seller Consumer Finance, they're shady, to say the least).

I'll be mainly using it for tracking and mixing (on Reaper), rather than hammering it with VST instruments, as I prefer to work OTB, but even so an i7 should be good for all.

I know this is a slightly open question and I've done a search, but it didn't bring up much (possibly with my wording!).

I can't see that Scan do finance and I don't think my budget will do something like that- I'm looking at around £800ish). I also don't really know which brands would be better for this in the long run (probably not Dell, but I don't know).

I'd build one, but without the cash to get it all at once, I don't really want to have an ongoing project for months and months!

[The Byre]

You might like to save up first - then buy a computer.

http://www.youtube.com/watch?NR=1&fe...&v=VL3KuaFvOSc

[the donal]

Originally Posted by The Byre

You might like to save up first - then buy a computer.

IOUSA SNL "Don't buy things you can't afford" Skit.mp4 - YouTube

But what would be the fun of that!

[The Byre]

Debt is how people like me, who invest in big business like car companies, banks and finance houses, keep people like you poor.

Save £110 for seven months and see what you can afford - MEDIONshop UK: MEDION® ERAZER® X5707 D (MD7925)

Great computers at good prices! And by the time you have £770, you will get much more bang for your Buck!

Simples!

[the donal]

May do. I'll have more than enough in November,to be honest- just wanted to get the machine earlier if possible.

Anyway- 0% finance- over, say, 10 months- isn't so bad as an APR, credit card or loan. It's more manageable...

I guess I could probably still with the current PC for a while longer- Reaper seems fairly efficient on CPU and my only purchased plugs so far are 2C Breeze and CamelPhat.

[The Byre]

There is no such thing as 0% financing.

Either

1. The interest is added to the product and it is only sold as a 0% finance package.

or

2. It is a 'pay nothing for X months' deal and you find that if you fail to meet that obligation to pay in that time, you are RETROSPECTIVELY locked into a three-year very-high-interest rate loan. The £1k PC then turns into a £3k PC as if by magic!

The best part of the second option, is that the customer has immense difficulty paying the 0% loan, as it comes from some anonymous finance company that pretends to have nothing to do with the retailer, keeps changing the address and has no telephone or on-line contact.

The 24.9% pa that follows will be with another company and you will get to hear from them quite a lot!!!

[the donal]

Originally Posted by The Byre

There is no such thing as 0% financing.

Either

1. The interest is added to the product and it is only sold as a 0% finance package.

or

2. It is a 'pay nothing for X months' deal and you find that if you fail to meet that obligation to pay in that time, you are RETROSPECTIVELY locked into a three-year very-high-interest rate loan. The £1k PC then turns into a £3k PC as if by magic!

The best part of the second option, is that the customer has immense difficulty paying the 0% loan, as it comes from some anonymous finance company that pretends to have nothing to do with the retailer, keeps changing the address and has no telephone or on-line contact.

The 24.9% pa that follows will be with another company and you will get to hear from them quite a lot!!!

My eyes are open about the cost of things when getting on finance.

Last two purchases on finance were a bed (in the sale at Dreams) and an acoustic guitar (see below).

I got the sale price on the bed (yes I am aware of the pricing of things, having done my time in retail) at 0%. Hidden costs were involved here- ie Creation charge a tenner for any additional transaction, such as changing the repayment date. Hence I would avoid Creation for finance on anything in the future (I've also read some horror stories since on their conduct).

I got my last acoustic guitar on 10 months 0%finance with a sizeable deposit. The price of the guitar had gone up since originally looking at it, but I got the original price. Also, the total repayed was the price the company listed it for anyway. So I'm not actually paying any more than I expected to for the guitar.

Generally, if a store is using an external finance company (as most tend to), they are getting the price of the goods upfront for what they want for it and your arrangement is then with the finance company.

This can limit your haggling potential, but it can still work out better than getting a loan, using a credit card or fouling up on the 'pay by' offers.

So- by accepting a little compromise on a financed item and by reading the small print/asking the right questions, it is possible to get something on a short term repayment and not be completely ripped off. If this provides benefits from the use of the item, then it is a reasonable compromise. But that is for the individual to weigh up.

Anyways, I was kind of guessing no-one would have any answers for my actual question and predicted a deal of 'criticism' regarding finance. Not quite the flaming I imagined though!

[SWAN808]

Originally Posted by The Byre

Debt is how people like me, who invest in big business like car companies, banks and finance houses, keep people like you poor.

Save £110 for seven months and see what you can afford - MEDIONshop UK: MEDION® ERAZER® X5707 D (MD7925)

Great computers at good prices! And by the time you have £770, you will get much more bang for your Buck!

Simples!

these are cheap - have you had experience with them?

[The Byre]

I'm using one now! Laptop - bought over two years ago, cost £500 at Aldi on a Sunday. 4GB RAM, 500GB HD. WiFi, Skype Cam, good screen. At the time, it was a bargain!

I needed a laptop in a blazing rush to take on a business journey. I spent all Sunday loading it up with CS3 master edition and loads of audio stuff and flew on the Monday. I was so impressed, I bought my wife an end-of-line model from them for £250. Both are working perfectly!

[SWAN808]

Originally Posted by The Byre

I'm using one now! Laptop - bought over two years ago, cost £500 at Aldi on a Sunday. 4GB RAM, 500GB HD. WiFi, Skype Cam, good screen. At the time, it was a bargain!

I needed a laptop in a blazing rush to take on a business journey. I spent all Sunday loading it up with CS3 master edition and loads of audio stuff and flew on the Monday. I was so impressed, I bought my wife an end-of-line model from them for £250. Both are working perfectly!

Interesting...wonder if they have a MOBO capable for OSX on their desktop...I sent them an email...did you use a FW port for audio on it?

MEDIONshop UK: MEDION® ERAZER® X5707 D (MD7925)