If you are a big FIFA fan, you know how important a good gaming computer is for a smooth and enjoyable gaming experience. But what should you choose: a gaming laptop or a PC? Both options come with their pros and cons but have something in common – they are often expensive and require extra financing.
Although you can take out a loan to buy a computer, problems arise when your credit score is low. However, there is a solution. Computer financing with bad credit scores is now offered by various online lenders who specialize in quick financial assistance. Let’s find out what you should look at when choosing a FIFA computer and how to get extra funds to cover the cost.
Essential Components for a High-Performance Gaming PC And Their Cost
FIFA 24 system requirements are very high, so you’ll need a powerful machine for maximum performance. Here are the components and their average cost:
- Processor (CPU): A fast processor is essential for gaming. A good one can cost around $300-$500.
Video Card (GPU): This is the heart of a gaming PC. For maximum performance, expect to spend between $400 and $800. - Memory (RAM): For smooth gaming, you’ll want at least 16GB of RAM, costing around $70-$150.
- Storage (SSD): Fast storage ensures fast loading times. A 1TB SSD may be around $100-$150.
- Motherboard: This is a central communications backbone that connects all your components. A good motherboard can cost around $150-$300.
- Power Supply (PSU): A reliable power supply may cost between $50 and $100.
- Case: The case protects your components and can cost anywhere from $50 to $200.
- Cooling: Proper cooling is essential for high performance. Budget $50 to $150.
- Total Cost: Depending on your chosen parts, a high-end gaming PC can cost anywhere from $1,200 to $2,500 or more when you add all these components.
What is Better: a Gaming Laptop or a Gaming PC?
Several factors must be considered when choosing between a gaming laptop and a PC. Here’s the difference between them:
Characteristic Gaming PC Gaming Laptop Performance and Power Offer higher performance and power than laptops. This is because they usually have more powerful processors and graphics cards that are not limited by size and heat dissipation. Modern models are still powerful enough for most games, although they are usually not as good as desktop PCs. Graphics quality Provide better graphics quality due to the ability to install powerful graphics cards. This is especially important for games with high graphic requirements, such as FIFA 24. Graphics quality on gaming laptops can be impressive thanks to powerful graphics cards, but is often inferior to desktop PCs due to size and cooling limitations. Cost Have a high price-quality ratio. You can get a more powerful system for the same money as a gaming laptop. Typically, it costs more while may have lower performance. Upgradeable Replacing the video card, RAM, or even the processor with newer components is easy and can improve performance. This will keep your computer up to date and allow it to run the most demanding new games and applications. It is typically harder or impossible to update components. Portability and mobility It is not portable and requires more space. You can take it everywhere and play your favorite games wherever you want. This is very handy for people who travel or move around a lot. Compactness and convenience It takes up more space and requires a separate monitor, keyboard, and mouse. They are compact and take up less space than desktop computers, making them a great choice for those with limited space. Ease of use Сould take more time and effort to set up and keep up. No assembly or component installation is required; it is ready to use right out of the box. All-in-one device Typically, it involves many components: a system unit, monitor, keyboard, and mouse. Complete solutions that integrate all the devices into one. You don’t need a monitor, keyboard, mouse, or other crucial components. Cost of repairs and maintenance Repairs and maintenance are usually easier and less expensive because components are replaceable and accessible. Repairing can be more difficult and expensive because the parts are all integrated. As you can see, while gaming laptops are easily transportable and convenient, PCs can offer much more power and flexibility, making them the better option if a gamer wants the most performance, upgradeability, and value for money in the system. You can customize your system and update it whenever new games come out. So, if you’re wondering, “Why is a PC better than a laptop for gaming?” it’s because of these features. Thus, choosing between a laptop and a PC depends on your preferences and budget.
How Bad Credit Affects Financing Options?
With a bad credit history, getting a gaming computer loan can take time and effort. Here are a few consequences to consider:
- High interest rates. Since a bad credit history signals the borrower’s unreliability, lenders consider such clients risky. This forces them to charge high interest rates, raising the borrowing cost.
- Limited choice of lenders. Banks and credit unions are rarely willing to work with borrowers with bad credit. Online lenders are more lenient but often set less favorable conditions.
- Small loan amounts. A bad credit rating may affect your loan amount, which may not be enough to purchase a gaming PC.
- Collateral requirements. Some lenders may ask for collateral in the form of any valuable asset. The lender has the right to seize your belongings if you fail to repay the loan on time.
Financing Options for Gaming PCs with Bad Credit
Although some difficulties exist, you can still get money to buy a gaming PC, even with a bad credit history. Here are some financing options available:
Bad Credit Personal Loans
Online lenders often allow people with low credit to get a personal loan of up to $5,000 to cover various personal needs, including a gaming machine purchase. Such lenders charge higher interest than banks and typically require you to repay the funds within 2 to 24 months.
Rent-to-Own Programs
This is a good option if you have little money. You can rent a gaming computer and buy it later. To do this, you make regular rental payments. You become the PC’s owner once you fulfill the contract terms, which usually involve a certain number of payments.
Credit Cards
Credit cards can be used to buy gaming PCs, but if your credit is bad, you could get high interest rates and low credit limits. Some cards also offer bonuses or cashback options, but read the fine print for nasty surprises in fees.
Payday Loans
Payday Loans are small (usually up to $1,000), short-term loans that need to be repaid by the next payday. You can qualify for them even with a low credit score, but the interest rates are likely to be high. Use such loans only as a last resort and be ready to pay large charges.
Title Loans
You can get a title loan using your car as collateral. Such a loan can be obtained with bad credit, but you can lose your car if you fail to repay the funds on time. As the repayment terms usually last up to 30 days, this option is considered risky. Sometimes, they are very useful, but you should approach them cautiously.
Installment Loans
Installment loans are borrowing options that can be repaid in equal amounts over time. They allow you to repay the debt gradually, making it easier to afford to buy a gaming PC. Although these loans provide more flexibility than short-term options, the total loan cost can be higher.
Buy Now, Pay Later (BNPL)
BNPL programs allow you to purchase a gaming PC now and pay for it later in equal installments. Often, at least one upfront payment is required. Be sure to read the agreement carefully. While short-term BNPL options may come with no interest, longer-term ones may involve up to 36% APRs.
Budgeting Tips for Buying a Gaming PC
Budgeting is key when you are going to buy a gaming computer. Here are some simple tips to help you get the device you want without taking out a loan:
- Determine the cost of the computer. Research which gaming PCs suit your needs and determine their cost. This will help you set a specific goal and understand how much money you need to save. Remember that some gaming laptops are more expensive than desktop PCs but may still offer fewer features.
- Make a budget plan. Calculate your monthly income and expenses to understand how much you can save to buy a computer. Make a clear strategy and stick to it.
- Keep an eye on discounts and promotions. Store discounts can help you save on equipment. Sign up for email newsletters and search for promotions to receive special offers.
- Earn more money. Consider additional sources of income, such as part-time jobs or freelance work. This will help you get enough funds to save for a computer.
- Sell something. Revise your belongings and sell those you no longer need. The money you earn can be spent on a gadget. Items for sale may include furniture, clothing, and old electronics.
Conclusion
Even if your credit score is imperfect, you can buy a FIFA gaming PC using rent-to-own options, credit cards, BNPLs, or personal loans. However, there are some debt-free options to consider first. Create a budget, get a part-time job, or even sell some things you don’t need to save for a computer without turning to loans.
Description: Discover the essential components and costs for building a high-performance gaming PC perfect for FIFA fans. Learn how to finance it, even with bad credit.
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