If that's the stance your taking, then you need to get more money / earn more income.

Edit for clarity:

You are high risk. No lender wants to loan you money because you likely won't pay them back. too much of your money is on basic needs (housing), and now your going after expensive "wants" without the income to support it. You also are going against financial wisdom.

It's your right. It's just anyone with money is going to be super cautious with you.

> how do I finance a gaming computer?

You shouldn’t

> I can’t get a gaming computer because they are too expensive.

So it goes.

If you’re getting rejected for basic financing, the universe is sending a message

You get a job and if you already have one, you save up over time.

You need to put money aside every month to save up for one. Build your own to make it less expensive. Financial responsibility is understanding the difference between a want and a need. A gaming computer is a want.

It's not the wisest choice but if you're hellbent on it I'd say make a budget where you can afford at least half up front and affirm the difference.

If you pick the shortest payoff there's no interest, if you're approved. So that's the plus.

Downside is it lowers your credit to have it pulled over something that isn't even a high enough cost to qualify for a normal personal loan.

It's your life, your call.

I don't know how we can help you. If you don't have good credit, you can't get a loan. That's just how it works.

I make $2000-2400 a month, that’s something to be proud of, but with SSI denials and rent and other bills it’s just too hard. I’m already trying to save for a car. My rent is the freaking problem. All I can do is get a better job and move out but the (explicit) problem with that is that it’s hard to find a job and I do not want to move from a good area in LA to a worse area. There’s nowhere else I could move to.

Can you save up and get parts over time, and then learn to build it yourself? You could build a decent PC for as low as $500 (or even lower?) if you look in the right places and get the right parts. Should check out r/pcmasterrace for tips on builds and components, they should have a lot of resources there for you.

Probably some of the more limiting parts would be a decent graphics card, but you might even be able to find a decent one used as people upgrade their parts. Might even be able to find a decent gaming computer used. Check out that sub and see which parts you should get used vs new.

You'll only get financial advice here, so go there for computer advice.

"I don't care" is your first mistake, you can ruin your credit for years just by missing one payment or having one late payment.

You need to define your needs vs your wants. A gaming computer isn't a need.

You say you're in a group home and eventually you'll want a place of your own. You won't be able to get a place with bad credit. You won't be able to open an account with the utility company with bad credit.

Eventually you'll want a vehicle of your own, won't be able to get that with bad credit. You need to rethink things.

$2400/month? That’s less than a month at minimum wage ($16.04) for 40 hours a week in LA.

This whole post sounds so entitled. How to do it? Grow up and face the reality that you can’t have it all. Work more hours, get a better job, move to somewhere with more opportunity for you.

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I think there’s a sub on here that aligns borrowers and lenders. I would look for it and try to get private financing. Based on the statement I don’t care “, I’m guessing you could find a lender that will loan you a couple grand but the interest won’t be cheap.

On board with the others in saying make sure you are in a descent financial position to afford a gaming PC in cash with all basic needs met. That said my background in computer building can give you some options to lower cost.

First off a gaming PC is not a good description. What game do o you need it to run and at what frame rate. A good entry level option is build one with AMD integrated graphics. These typically can be on par with gaming consoles. Second build it yourself and do it in stages. Read the manuals on the motherboard before buying it and watch some PC building YouTube videos. It is really like putting together Legos.

First pick a processor with integrated graphics something like a AMD 5500G can be had for $120. AM4 motherboard to go with it run like $65 then ram power supply then SSD. Run Linux and install steam for free instead of windows and put it in a cardboard box. Be less than $400. Then as save up more cash buy/install windows, get a PC case, and finally a proper GPU for what your looking to run. Would also not rule out doing low bids on eBay for used stuff. If work hard enough you can get to where you want but never substitute a need for a want.