We offer leasing and lease to own now. The best part about it is you get the cash discounted price for leasing. Just contact us and we'll set up with where to fill out the application. It's not on our website yet, but it's coming along with many other new things.
Also Sager does the same thing from their website.
isn't leasing like borrowing, or renting it? i wouldnt want to do that, cause of the liability stuff, cause my irresponsible self might try to do a little too much and mess something up... is there any way i can OWN one by doing payments?
I'm wondering the same information. My parents are forceing me to put half of my paycheck in the bank...$&()@$#&#@...anyways, that means it's going to take twice as long for me to get my sager. argh.
So, yeah, it'd be great the have an option where you can own it making payments (I'm also under the impression that leasing it is the same as renting it).
Well, if it's like leasing a car, there's a contract and you get the computer and pay monthly payments and it's basically yours til the end of the lease and then you return it (I think, and you have the option to buy it at the end of the contract, too) and can lease a newer system. That's the advantage of a lease with a car, but it does end up costing you more when it comes to cars. I don't know how the lease is set up with PCTorque and the other vendors, though. Once they get their internet back up and running they'll give ya a response no doubt :-) Go PCTorque!
Hi all, What a great forum. I have been busy reading all the threads for the past couple of days. PC Torque really did a great job. Of course it is the people that make this forum.
Ok, back on subject. Most leasing companies offer three various types of leases.
1) Fair Market Value: You return it at the end of your lease term or you can purchase for it's then fair market value. (you do not know what this number is, but hey in three years you will probably want the newest latest and greatest)
2) 10% Buyout: You agree to purchase the unit for 10% of it's original cost. (You get low monthly payments but you are agreeing to purchase the unit in the end. If you do not want to keep the unit, they will gladly roll the value owed into a new lease. Car company love to do this.)
3) $1.00 Buyout: slightly higher monthly payments but there are no variables, you own it at the end for $1.00. (This is a way of calling it a lease and not 100% financing. Give it back and get a new lease, who would do that? Or, better yet pay the $1.00 and sell it for whatever and buy a new one or sign up for a new lease. Some accountants do not view this as avalid lease for deduction purposes)
Wow, thanks for the great info! Learned something new :-) Anyone know which sager offers? Dan, is yours something like that? Lol, this is something I have yet to learn much about, as you can prolly tell :-) That's why I love this place!
That makes sense... I've never experienced leasing at all. For some reason the thought of not "owning it" (as in having paid for it in full) irks me with things like computers because to me it's personal, lol. I set it up, I put my stuff on it, etc etc. Beats me. I have always assumed others feel similarly with this kind of thing, but I can definitely see where businesses would do it and where people who want it but want to pay for it in increments or tentatively would like the option. Thanks for the extensive info!
Habib is right with the point that it makes sense for a business to lease. But for personal use, just go to the bank get as good a rate personal loan as you can and buy your laptop. Make the payments and it's yours. Businesses get some expense right off benefits, though monthly payments on a personal loan could be a little better. I find that the most important thing is never ever get a lease or a loan over 36 months. You will wind up in an upside down loan for sure. I like 24 months to be safe and flexable.
I never consider anything actually mine. It seems as though we just go through life choosing what we like to use for a while and then replace it again and again to keep us happy and entertained. Ah, the American way!
is this now going to be turned into a theoretical discussion?
If you wanted to say that, then is anything we really touch, feel, or smell, or see real, or our we just living in a dreamworld with experiences that enter our minds, as we are being "bred" and farmed to be energy for the MATRIX?
Hehe, we have a philosopher among us :-) Yes, the so called American way. Oh well, material is material. I am generally not a materialist, but with computers I love to get new things. It's just so remarkable... That's why the sagers are so sweet... the latest and the greatest in a lappy. Take it anywhere, lol.