Tablet / Ipad Finance For Bad Credit – Can I Get One With No Credit Check?

If you rely on a tablet for your work or everyday use, it’s no doubt that an iPad is an excellent option. Apple makes amazing high-quality products. However, Apple products are not exactly pocket-friendly, especially here in the UK, and acquiring a high-end iPad is a significant investment.

Fortunately, you can get an iPad through various payment plans where you pay small affordable instalments. You may be worried that having bad credit may make these financing options unsuitable for you. Below is a comprehensive overview of financing avenues through which you can get an iPad even if you have a bad credit record.

Rent-to-Own and Leasing Programs

There are a number of companies that offer Rent-to-Own programs that enable you to purchase Apple products and pay monthly instalments over a specified leasing duration. This is one of the most viable options if you have bad credit or even no credit history. The leasing or payment period under such a program will depend on the seller and the price of the iPad in question.

One of the main advantages of this opinion is the lack of a credit check. This means that despite your bad credit record, you won’t be limited to purchase the product you need. Also, these programs offer affordable payment plans. Financing is spread out over a specified time period, thus making it flexible and manageable to pay.

Rent-to-Own programs typically don’t require you to pay an upfront fee. Although you’re renting to own the iPad, you will eventually pay the initial fixed amount with no other upfront costs. The only drawback of this avenue is that you may incur a fine in case you breach the leasing contract.

To obtain an iPad on finance through a rent-to-own program, you first have to look for a reputable vendor that provides these services. Before deciding, consider the selling price and leasing period for the product. You can look for reputable vendors online or through social media platforms. Several reputable companies that provide rent-to-own programs in the UK include:

1. EE

EE, which is part of the BT Group, runs one of the biggest mobile networks in the UK. EE has a retail presence with more than 600 shops across the country. EE online and offline stores offer tablets, including iPads, on contract with no credit checks.

The tablets vary in price, and you can get incredible deals that start from as low as £10 a month. Also, if you are an existing customer, you are eligible for a 10% discount. With EE, you won’t have to put down a deposit, making it an affordable option to get your desired product.

2. Carphone Warehouse

Carphone Warehouse is another company that enables customers to purchase a wide variety of tablets on finance. Unlike other vendors of this service, Carphone Warehouse will require you to put down a small deposit (about £10) for your iPad.

After that, you will complete small monthly repayments amounting to the price of your product of choice. Note that the deposit you put down helps lower the cost of these monthly payments. If you have less funds to pay each month, this is a viable option.

3. Western Computer

Western Computer is another excellent option to own an iPad even if you have bad credit. The company has an array of financing options to help you purchase Apple devices. The Finance option spreads the cost of the product over 24 or 36 months with an APR of 11.9%. The company has a number of stores in the UK. Once you locate a store near you, you will be required to provide proof of ID to complete your application. If approved, you can leave with your iPad on the same day.

4. Techscheme

Techscheme helps make tech affordable by allowing you to spread the cost of your desired product over a specified period. The good thing about Techscheme is that anyone can purchase a device regardless of their credit record or rating. However, you have to be employed, and your employer has to approve your application to access Techscheme services.

Once you decide on a suitable vendor, the process for obtaining your iPad is generally similar. You start by filling out an application form on the vendor’s website, providing your personal details and details of the Apple products you want to buy on credit. Some rent-to-own companies have physical stores where you go to file your application. After approval, you will sign the leasing agreement that states the total amount and the period needed to pay for the product. The company will then ship your product to you.

Online Financial Lenders

Even if you are not eligible for rent-to-own programs or generally don’t prefer the leasing aspect of the model, there are other channels to get loans to purchase your desired Apple product. Another viable option is looking into licensed lenders to loan you the money to purchase an iPad.

Some lenders in the UK conduct credit checks while others do not. A great option you can try that won’t mind your bad credit history is Get Loan Now. Get Loan Now is a registered Financial Conduct Authority (FCA) regulated company that connects borrowers and lenders, enabling you to secure a short-term unsecured loan that you can use to purchase your desired product.

The company works will carefully select credit providers that are also regulated by the FCA. With Get Loan Now, you can access direct lenders that can provide loans up to £10,000 even if you have bad credit. Note that these short-term unsecured loans have considerably high-interest rates. As such, it’s essential that you carefully read the terms and conditions before agreeing. The application process is straightforward. You will out the application form at and provided the required details.

Get Loan Now will connect you with suitable lenders. If you are approved, the company will direct you to the approved lender to complete the loan process. You will receive the funds to purchase your iPad within a business day. Other recommendable online lending options include Payday UK, Omacl, Likely Loans, 118 118 Money, and Everyday Loans,

Overall, there are a number of options to obtain an iPad on finance, even if you have a bad credit record or even no credit record. Many companies have no-credit-check financing plans that can help you get what you need. Note that the interest rates you may incur may be higher compared to avenues that conduct credit checks. Nonetheless, you can still access much-needed financing to obtain your desired Apple product.