Best laptops & PCs 2023: Our top picks for every user and every budget

Blog | 19th Dec 2022 | 5min read

While our smartphones manage many of our day to day activities, there are some things that are just built for a bigger screen — and so the PC and laptop remain essential electronics.

But when you open up your device and are greeted with a neverending spinning beach ball, the dreaded blue screen, or a fan noise so loud that you can’t hear your own thoughts, it might be time to replace your old PC.

When the fateful day comes, Zilch can help you to spread the cost with buy now, pay later on laptops and PCs. As a leading short-term finance provider, we enable you to shop at your favourite electronics retailers and pay just 25% of the cost of your purchase upfront, spreading the remaining cost over time.

If you’re lacking inspiration, here are some of our top picks for laptops, desktops and gaming PCs to buy now and pay later.

Our top picks: Buy now, pay later on laptops & PCs

Working from home PCs that work for you

Nowadays, much of the working world’s hard graft is done from the kitchen table. If you’re a remote worker or a student, you’ll need a PC that can cope with various software demands and keep your work day ticking over. Shop with Zilch at retailers like Currys PC World and browse the latest business PCs for buy now pay later, from Lenovo IdeaPads to Dell XPS desktops.

Gaming PCs to keep the players playing

The PC gamers among you will likely have a long list of demands that have to be met for the complete gaming experience — and this can get pricey. If you’d like to spread the cost, shop with Zilch and buy now, pay later on gaming PCs. Recent CyberPower Infinity and Alienware Aurora setups have been pushing the boundaries of zero-latency play, or you could even shop with Zilch on eBay to collect the parts to build your own machine.

Family-friendly desktops fit for everyone

While some keep their studying sanctuary under lock and key, others have a home office used by the whole family. If this is the case, you’ll need an all-in-one PC that can handle games and homework just as readily as tax returns and spreadsheets. Acer Aspire desktops are worthy jacks-of-all-trades, while the HP Chromebase 22 is a more budget-friendly offering. Pay in 1 to earn back in Zilch Rewards, or spread the cost with Pay in 4.

Portable PCs for travelling needs

Pocket-sized purchases are all the rage for those who travel around for work or split their time between home and the office. Some of our favourite smaller-screen laptops in recent years have been from Apple and the MacBook Air range. As for students and those in the creative fields, the latest Microsoft Surface touchscreen hybrids are fierce contenders. Whatever your choice, you can buy now and pay later to spread the cost with Zilch.

How buy now, pay later works

To press play on your PC purchasing, you’ll need to download the Zilch app from the App Store or Google Play. Once you’re in, make an account with us and take a look at our credit agreement. If you’re happy to proceed, you can then start shopping with Zilch.

Select the online retailer you’d like to use from our storefront, or activate your card for the store and visit in person. Then, simply check out with Zilch and pay for the first 25% of your purchase upfront with Pay in 4. Over the following six weeks, we’ll automatically debit the three remaining instalments from your card — but if you need a little extra time to cover the cost, you can Snooze the payment in our app.

Or, you can also choose to check out with Pay in 1, and cover the entire cost upfront. Using Pay in 1, you can earn up to 2% back on your purchase value in Zilch Rewards.

If you can’t find your retailer of choice on our app or website, you can also shop with Zilch Anywhere for a small extra fee, and check out with Zilch at any store that accepts Mastercard payments. Rest assured, we’re fully transparent and will always let you know if you’ll be charged extra to shop. However you’d prefer to pay, we have a plan for you.

And just like that, you’ll be set up with your brand new PC or laptop — so what are you waiting for? Netflix, gaming and endless social media await.

* Spend responsibly, spending more than you can afford could seriously affect your financial status. Credit subject to status, 18+, UK residents only. Representative APR 18.1% (fixed). Rep Example: based on total spend: £240 (+ £2.50 transaction fee). Total repayable: £242.50 paid over 6 weeks, 1st payment £62.50, then 3 payments of £60.00 every 2 weeks. T&Cs apply.