Not sure such models can be fair and reliable. I guess an alternative would be an installment plan, where you at least own the computer when you paid it off. Not sure if it exists for PCs but I know sometimes there’s 0% plans for electronics so you would not even pay extra, besides what stores add anyway for prebuilt computers. I’d still recommend saving up and building your own or use a build service for individual components, since that tends to usually be cheaper and you have more control over what you get, since a lot of prebuilt PCs have odd components.
Not sure such models can be fair and reliable. I guess an alternative would be an installment plan, where you at least own the computer when you paid it off. Not sure if it exists for PCs but I know sometimes there’s 0% plans for electronics so you would not even pay extra, besides what stores add anyway for prebuilt computers. I’d still recommend saving up and building your own or use a build service for individual components, since that tends to usually be cheaper and you have more control over what you get, since a lot of prebuilt PCs have odd components.