Don't want to use a CC

[elim]

sorry to post this here but need the input.

I am about to build a high-end desktop and would like another installment loan on my reports.  Do any parts warehouses like NewEgg or Tiger Direct offer installment vs Revolving accounts?  All my spends are met and would rather have the thicker file than any rewards for the purchase.

[Anonymous]

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@elim wrote:

sorry to post this here but need the input.

I am about to build a high-end desktop and would like another installment loan on my reports.  Do any parts warehouses like NewEgg or Tiger Direct offer installment vs Revolving accounts?  All my spends are met and would rather have the thicker file than any rewards for the purchase.

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They don't offer installment loans.  Your best bet is to get an actual loan for your build and then make monthly payments unfortunately if you want it reported that way.

[elim]

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@Anonymous wrote:

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@elim wrote:

sorry to post this here but need the input.

I am about to build a high-end desktop and would like another installment loan on my reports.  Do any parts warehouses like NewEgg or Tiger Direct offer installment vs Revolving accounts?  All my spends are met and would rather have the thicker file than any rewards for the purchase.

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They don't offer installment loans.  Your best bet is to get an actual loan for your build and then make monthly payments unfortunately if you want it reported that way.

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   thanks,  i'll hit up my CU,  I guess a 2k personal loan will look ok on my reports.   my paid loans are all 1k or less and secured, lol.

[Anonymous]

What are typical terms (months, APR, any fees) for equipment loans?

[elim]

per Ron1's previous post NewEgg has 0% for 12 months, but uhhhhg, another revolving account, and after 12 months the card may be pretty useless for me...

[DaveInAZ]

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@Anonymous wrote:

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@elim wrote:

sorry to post this here but need the input.

I am about to build a high-end desktop and would like another installment loan on my reports.  Do any parts warehouses like NewEgg or Tiger Direct offer installment vs Revolving accounts?  All my spends are met and would rather have the thicker file than any rewards for the purchase.

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They don't offer installment loans.  Your best bet is to get an actual loan for your build and then make monthly payments unfortunately if you want it reported that way.

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NewEgg has a NewEgg Store card issued by Synchrony - http://promotions.newegg.com/nepro/15-5021/index.html

No interest for 6 mos for purchases of $249 -$498.99, 12 mos 0% for purchases $499+

EDIT: I see you already saw that. If you don't want another store card, CUs are good for loans during the holidays, one of my CU sent me a pre-approval for a $1k personal loan for 12%, I passed.

[Anonymous]

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@elim wrote:

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@Anonymous wrote:

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@elim wrote:

sorry to post this here but need the input.

I am about to build a high-end desktop and would like another installment loan on my reports.  Do any parts warehouses like NewEgg or Tiger Direct offer installment vs Revolving accounts?  All my spends are met and would rather have the thicker file than any rewards for the purchase.

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They don't offer installment loans.  Your best bet is to get an actual loan for your build and then make monthly payments unfortunately if you want it reported that way.

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   thanks,  i'll hit up my CU,  I guess a 2k personal loan will look ok on my reports.   my paid loans are all 1k or less and secured, lol.

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Yep.. That will be your best bet.  The payments will be very small for the amount of loan and it should serve the need you want.

[Anonymous]

Good luck!

[LadyJEsq]

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@elim wrote:

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@Anonymous wrote:

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@elim wrote:

sorry to post this here but need the input.

I am about to build a high-end desktop and would like another installment loan on my reports.  Do any parts warehouses like NewEgg or Tiger Direct offer installment vs Revolving accounts?  All my spends are met and would rather have the thicker file than any rewards for the purchase.

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They don't offer installment loans.  Your best bet is to get an actual loan for your build and then make monthly payments unfortunately if you want it reported that way.

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   thanks,  i'll hit up my CU,  I guess a 2k personal loan will look ok on my reports.   my paid loans are all 1k or less and secured, lol.

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If you already have installment loans on your CR, why do you feel that you need another to make your file "thicker?" Since you're a member of a CU, I would sit down with them and get their opinion on whether or not you actually need another installment loan on your file. I only say that because it seems that your profile has enough of a mix, so I'd go for the rewards with such a large purchase.

[elim]

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@LadyJEsq wrote:

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@elim wrote:

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@Anonymous wrote:

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@elim wrote:

sorry to post this here but need the input.

I am about to build a high-end desktop and would like another installment loan on my reports.  Do any parts warehouses like NewEgg or Tiger Direct offer installment vs Revolving accounts?  All my spends are met and would rather have the thicker file than any rewards for the purchase.

---

They don't offer installment loans.  Your best bet is to get an actual loan for your build and then make monthly payments unfortunately if you want it reported that way.

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   thanks,  i'll hit up my CU,  I guess a 2k personal loan will look ok on my reports.   my paid loans are all 1k or less and secured, lol.

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If you already have installment loans on your CR, why do you feel that you need another to make your file "thicker?" Since you're a member of a CU, I would sit down with them and get their opinion on whether or not you actually need another installment loan on your file. I only say that because it seems that your profile has enough of a mix, so I'd go for the rewards with such a large purchase.

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  who's your credit union?    they must be good.     the people at mine are pretty clueless about credit files (i have talked to all of them many times).    having a large unsecured installment loan on my file would probably give me better options in the future than just having 2 tiny share secured loans... IMO...  rather than a 15th revolving line.