Dell Preferred Credit presents a simple solution for financing Dell purchases through regular, reasonably priced payments. If you are eager to purchase a new computer for your own use, it is understandable if you do not wish to wait. A Dell Preferred Account enables you to purchase the products that you want at a time when you want them.

A Dell Preferred Account boasts flexible payment methods including convenient and secure online payments made through the Dell website, phone payments and payments made by check through the mail.  A single, minimum monthly payment may start at as little as $15 or three percent of your current account balance – whichever is greater. Pre-payment penalties do not occur on this type of Account. In addition, you can view and manage your account in detail online free through the Dell website so that you can keep track of your finances, at no extra cost to you.

It is simple to apply for a Dell Preferred Account online and a decision based on the information that you provide, will be reached within 60 seconds or fewer. With a good credit rating, you may be expected to receive the maximum credit limit, which is currently $5,000. You can use this credit to purchase a wide range of Dell products. For your added security, as long as you adhere to the terms and conditions of your Dell Preferred Account, you will not be held responsible for any unauthorized purchases that are made using your account.

In addition to this, you have the option of enrolling in the Credit Protection Plan. This Plan will aid in the reduction of payments you make to your Dell Preferred Account if the policy holder or the household’s Higher Wage Earner is subject to an unexpected life event, examples of which include redundancy, disability and divorce, to name just a few. It is recommended that you take out the Credit Protection Plan as if you can not keep up with the payments on your Account, penalties will occur. Penalties for payments that are made late will range from $15 to $39, depending upon the balance in your Account.

Those in receipt of a Dell Preferred Account are at an advantage as they are frequently offered coupons, which entitle them to discounts off Dell products as well as preferential financing of the latest devices.

APRs on the Dell Preferred Account are liable to change and customers will be informed of rates upon approval. However, with APRs starting from as little as 19.99% as of November 2009, Dell Preferred Credit offers you an accessible solution if you wish to make a purchase from Dell without subjecting yourself to a lengthy delay.