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Instead of paying cash for a computer, you should consider getting a computer through a lease agreement. The first place to inquire about a lease for your computer is the companies that make them. If the manufacturer does not directly provide a leasing option for a desktop, many of them will be able to direct you to resellers that offer a lease.
It is also beneficial to look in your local telephone directory for places that lease computers to the general public. However, it is important to read the “fine print” before signing the lease agreement. This includes paying special attention to the length of the lease and who will is responsible for the costs of fixing the computer if it stops working.