DFS or Dell Financial Services allows you to buy your dell system on credit. Basically it is a line of credit for those that can't pay for the computer outright. Sometimes this can be the only option for some customers, but with such a high interest rate, we recommend using your own line of credit or credit card.

You could be paying interest rates as high as 29.99% so you would be giving a lot of money to dell for buying one of their systems. 

For Dell, this is just another way to make some extra money off the consumer. So what are you other options to pay for your computer?

Credit Card

Paying with a credit card is probably the easiest and fastest option. But sometimes you may not have enough available credit to make the purchase. You would get much better interest rates with your credit card company than with Dell.

Personal Check

Although it will take much longer to receive your system once you send the check, it's another option for you to buy your new computer. Sometimes there are issues with checks getting lost but that is a small risk. 

Paypal

You can also use paypal as a payment method, but it may not be an option for all purchases, ask the sales rep how you can use Paypal. With Paypal, you can easily set it up to your bank account to directly take it from there. Again, this will take much longer than a credit card to process. 

What If You Have Good Credit? 

So you think because you have good credit that Dell will provide you with a low interest rate? This is not the case, you will get a better interest rate and terms if you just apply for a credit card through your bank.

If you have good credit, you probably already have low interest credit cards or can get a good loan. If you can, we suggest paying for the Dell system as soon as possible.