Ever found yourself in need of a gaming PC but you can’t afford one due to certain reasons? The rent-to-own program gives you an opportunity to rent and own a gaming PC with little to no cash. Even though the process takes some time, the results are sweet. There are many reasons a person can opt for a rent to own purchase method. The high cost of gaming PCs is the major contributing factor. These devices are superiorly built, and their cost is all-time high.
Therefore, many people find it hard to part with a huge chunk of money for upfront payment. Other than that, not everyone can afford that money at a go. Rent to own offers such people an opportunity to own a Gaming PC without an instant financial strain.
Poor credit is also another reason why people opt for this method. Basically, you are not buying on credit. You’re spreading the cost of the machine over a specified period. This is more friendly and doesn’t even need one’s credit check.
If you are looking to rent own a gaming PC under this program, we’ve got you covered. This article contains a list of companies offering such deals. Additionally, we provide all the necessary information needed to land a pro gaming PC.
What Is Rent To Own?
Rent to own is a program under which someone rents an item for a specified period with an aim to own it at the end of the contract. Within the renting period, they divert a portion of rent towards the purchase process. The contents and period of renting depend on the buyer-seller agreement. So, contracts will vary from one company or persons to another. You can’t expect the terms and conditions to be similar. Although, in general, the process goes through the same steps.
The buyer can agree to pay a certain amount upfront and pay the rest within the renting period. Others can choose to settle the remaining amount upon the contract expiry.
The 6 Best Companies Offering Rent To Own Gaming PC
1. Rent-A-Center
Rent-A-Center is a leading dealer of gaming PCs. Their rent to own program is one of the most flexible and favorable. You can choose whatever payment plan you feel most comfortable with from weekly, bi-weekly, semi-monthly, or monthly.
Additionally, Rent-A-Centre has very responsive customer care. They are available to quickly furnish orders and respond to customer requests. In the case of new technologies and you are willing to swap, the company allows that. All you need to do is contact them and request a swap.
2. Ace
Ace offer dynamic rent to own product services. After signing the agreement, if the PC doesn’t meet your expectation, you are free to return it. Then, you choose another product to which your previous payments are transferred to.
The Ace agreement has a 120 days payment plan. You can choose to make your payments within the maximum allowed time or opt for early purchase. If you exercise early purchase, you can get a discount offered by the company.
3. Best Buy
Best Buy execute the rent to own program through their participating stores. All you do is make your application through the shops and receive a Blue Shirt. From there, you use this shirt to choose your preferred gaming PC. If you get it, go ahead and sign the lease agreement.
Alternatively, you can apply through BestBuy.com. You just log in to their website, check out your gaming PC, and apply the lease / Rent To Own during the checkout procedure. The agreement is simple and straightforward. Once you have completed the lease, you immediately assume ownership.
4. FlexShopper
FlexShopper refers to rent to own as a lease to own program. Their 52 weeks payment plan is a great opportunity to rent to own a gaming PC. Under the agreement, you pay weekly payments for a specific lease term. Lease terms vary from state to state, but the range is between 7 to 29 days.
The lease remains binding and active until you end or complete the 52 weekly payments. That gives you direct ownership of the device. You can also execute the early purchase option which is acceptable.
5. LeaseVille
LeaseVille is a Los Angeles online-based rent to own store. If your credit history is an impediment to owning your preferred gaming PC, LeaseVille has an alternative for you. They have three ways on rent to own program; the most savings, significant savings and most affordable.
Under most savings option, LeaseVille grants early buy out up to 100 days. Instead of paying your lease for over 300 days, you get to compress it to only 100 days or less. This comes at a cost though. Before the elapse of 100 days and paying your rent faithfully, you can purchase the PC at 50% of the lease reminder.
The Significant savings option, you are free to buyout the PC after 100 days. And this you do with only 50% of the unpaid lease total. If you are not comfortable with any of these, you can choose to settle for the most affordable method. This is the most straightforward and the easiest. You make your purchase instalments for 12 months and own the PC after the contract expires.
6. Aaron’s
Leasing to own from Aaron’s is an easy route to owning your coveted gaming PC. The company offer its devices on preset renewals. If one completes payments successfully is guaranteed ownership of the PC. Also, one can go for the early purchase option. You clear the entire lease amount before the time expires. The good thing is that they don’t consider your credit history. Though, this doesn’t mean everyone qualifies the program by default.
Advantage Of Rent To Own Gaming PC
- You can buy with bad credit: If you cannot qualify for a loan or credit purchase, you can opt for rent to own agreement. Then during the renting period, you can work on improving your credit score which may qualify you for a loan to purchase the PC.
- Locked purchase price: All commodity prices are subject to change over time. However, under the rent to own agreement you can agree to purchase the PC at today’s price. This may save you a couple of dollars depending on the inflation level. At the same time, you can include a clause allowing you to back off in case you don’t feel comfortable with the changing dynamics. Since technology is growing rapidly, maybe by that time there may be more advanced and cheaper options.
- Test drive: You get an opportunity to use and test the PC’s capabilities while at work. This is a chance to evaluate the true worth of the machine before paying for it. You familiarize yourself with its limitations before it’s too late to notice. So, it gives you bargaining power and a chance to withdraw from the agreement if not satisfied.
- Best deal with less money: Rent to own agreement gives you a chance to game like a pro with super expensive PC at less cost. Instead of demanding all the money at a go, you are allowed to spread or postpone the payment date. That means you get even the most endowed PC with little cash.
- No extra charges: Ideally you don’t own the equipment at this point, so the lender is responsible for any needed adjustments. These include the upgrades, antivirus and general maintenance. You remain shielded against any extra charges which can further escalate your budget.
Disadvantages Of Rent To Own Gaming PC
- You can lose money: In the event, you are no longer interested in purchasing the PC, you lose all the extra cash paid. Sometimes, an unscrupulous seller can deviate your commitment by making the situation unattractive. Some can even discourage you so that you can give up and they’ll pocket your money.
- Limited control: Until you’ve paid all the money and contract closed, you still don’t own the PC. Therefore, there is a limit to what you can do to it. For instance, you may want to improve on something but it’s upon the lender to approve that.
- Price variation: The cost of your gaming PC can fall depending may be due to technology growth or economic variations. At this point, you may have no option to renegotiate with the lender for a price review. That may force you to either abandon the money you’ve already pumped or pay the high price.
- Harsh late payment penalties: depending on the agreement, lenders tend to impose very harsh penalties on late payment. In some instances, you lose the right to purchase the PC automatically in case of late payments. In other cases, your every month contribution to purchase is lost.
Leasing vs Owning
There comes a time when you feel like your gaming PC isn’t doing enough. Or maybe its completely dead and you need to replace it. Two options always are at the table. Buying or leasing. The difference between the two modes of acquisition is ownership.
Owning a PC means you’ve completely bought it from the shop or dealer. You have the right to keep it for as long as you want. In contrast, if you lease a PC, you are essentially renting for a specified period of time. Upon expiry of the agreed time, you return it to the owner unless otherwise agreed. You can either choose to return the gaming PC, extend the contract or enter into a rent to own agreement.
Rent to own or lease a gaming PC is a personal decision. Both methods have their merits and demerits. Therefore, it’s upon the buyer to make a choice depending on their needs and financial situation.
Main Feature Of Gaming PC
Securing a good gaming PC isn’t a walk in the park. It’s a daunting process that needs thorough research and information gathering. Otherwise, you can end up with junk in your gaming rig. When looking for a quality machine, there are a number of features you should look out for. We’re going to guide you on the irreducible minimums of a good gaming PC.
Size
Before considering the interior and performance aspects of a gaming pc, start with the exterior. The general size and shape play an important role in the overall functionality of a gaming PC.
The big-sized machines provide better upgrading options than the smaller ones. At the same time, small-sized PCs are the best for people with limited space. They can fit in small spaces, under and above the desks. Sizing also affects the machine’s rate of cooling—the bad cooling rate results in noise generation.
There are three major size categories of gaming PCs. These include small, midsize towers and monoliths. Depending on your gaming needs, any of these can serve you well.
The processor
A processor is the heart of a gaming PC. Whether buying or building one by yourself, processor specification is the first thing you should see. That shows you how important this is. For a gaming PC, a 4-core machine should serve you right. Anything below that can cause performance issues when running some games and software.
You should choose the processor strength based on where and how you want to use the PC. The number of cores determines how fast your machine will be. The number ranges from 2 to 16 cores.
GPU
If you mean business with your gaming venture, a graphics card is a major consideration. It determines the resolution and frame rates. Besides, graphics help beautify your games giving a whole difference in gaming.
Just like the other factors, the choice of GPU depends on what you want. For instance, there are people very comfortable with low-level GPUs like the AMD RX 570. Not that they are bad, but theirs is a level of graphics extremity they cannot run. To play at higher frame rates, you’ve got to consider more powerful GPUs like the RTX 2060 and above. Also, graphics capability contributes hugely to the overall cost of the gaming PC. Therefore, if you are looking for a high-end graphics card, you got to cough a couple of dollars.
RAM
Some people think having a large capacity RAM translates to higher gaming performance. That’s not true. You don’t need to waste your money on unnecessary RAM—besides, it’s one of the easiest components to upgrade. With a RAM between 8 to 16GB, you can run almost all basic games. This is also affected by the type of games you are running.
How To Build Your A Pro Gaming PC
Building your gaming PC is the surest way to get a system that satisfies your personal preference. The reason is that you are 100% in control of what you include in your PC. Additionally, building your own PC gives you control over future upgrades. Therefore, with a change in technology, preferences, and budget capability, you can further adjust the system to suit you.
However, the process isn’t an easy one but possible. Below, we’ve compiled a step-by-step guide on how to successfully build your gaming PC from scratch.
1. Gather the necessary build tools
Having the necessary tools required for the process is the first step to a successful PC build. Such include the screwdrivers and workspace. Instead of a single screwdriver, having a toolkit for the same is a better option. If you can’t acquire one, a Philips #2 model can work on nearly all PC screws.
Large working space is also important. You can use a table or any other well-maintained surface. Consider also your standing ground. Ensure it is not carpeted to prevent electrostatic discharge of sensitive components.
2. Select the casing
The PC casing dictates the components you will be using. There are three basic categories of cases. We have the full tower, mid-tower, and the mini-tower. The size of your casing should also be based on the surface you want to place it.
3. Gather the gaming PC components
This is the most critical part of the building process. It is the determining factor of your PC’s strength. The kind of components you choose are the building blocks for your unit. There are different methods you can follow in choosing your components. You can either check a prebuild model and come up with your customizations or draw a new combination. As you do this, it’s important to have a budget lest the cost gets out of hand. Examples of components include;
- Central processing unit (CPU)
- Random Access Memory (RAM)
- Graphics processing unit (GPU)
- Motherboard
- Gaming accessories
- Operating system
4. Install the CPU
With utmost care, remove the CPU and the motherboard from their packages. Place the motherboard on your working space. Paying attention to every internal and external part, locate the CPU socket and slide it in properly. You should avoid touching any pins on the chips to prevent their contamination.
5. Install the cooling system
There are different cooling systems in the market. For better performance, consider installing the exact model recommended by your CPU. Some coolers require mounting brackets, and others don’t. If there’s a bracket on your motherboard and not needed, consider removing it.
6. Install Memory (RAM)
Depending on your motherboard, you’ll have two or four RAM slots. If you have RAMs to fill in all the slots, go ahead and slide them in. In the event you have fewer sticks, consider your motherboard’s recommended population method.
7. Mount the power supply
Unpack your power supply unit and figure out where it’s supposed to be positioned on the casing. Every motherboard has its own orientation, and mostly the power unit goes at the back facing outside. Also, you should ensure that the fan faces outside for effective cooling.
8. Install the motherboard
Position the I/O shield properly on the casing if not fixed on the motherboard. Countercheck to ensure all the cables are well threaded before installing the motherboard. Then, align the motherboard with the I/O shield and fix it with a screw. You’ll need a varied number of screws to firmly hold the motherboard into position.
9. Install the GPU and storage
Locate the PCIe* x16 slot on the motherboard. It is always the most extended PCIe slot and may feature a different color. Unpack your GPU from the package and check whether you need to remove the I/O covers. Align it with the rare retention bracket, and its slot them push it in.
The process of installing your storage will depend on its type. There are two basic types of storage; the 2.5” (HDDs and SSDs) and the 3.5” (HDDs).
10. Install an operating system
Ensure you have connected all the peripherals including the mouse, keyboard etc. If you haven’t yet loaded your OS onto a bootable flash drive, do so. Plugin the drive and follow the process to install the operating system. After installation, you’ll be required to restart the system. Restart it to complete the process.
If you have followed everything correctly to this point, you should have your PC ready for gaming.
Conclusion
Rent to own a gaming PC offers a solution to people who can’t afford an instant purchase. If your credit score or financial status has been limiting your gaming, it’s time to try a new path. Actually, if you do your research well, you can end up with a super gaming PC at a very minimal to zero deposit.
