As of 2015, customers can finance a Dell computer by applying for a Dell Preferred Account, a line of credit offered to Dell customers by WebBank. The credit limit and interest rate are determined by WebBank based on the customer's application and credit information.
The Dell Preferred Account can only be used to purchase Dell computers and peripherals. Customers cannot use the credit line to transfer other balances or make purchases from other stores.
Qualified applicants may receive promotional offers and special interest rates. For example, as of March 2015, Dell is offering customers who purchase a Inspiron or XPS PC valued at $599 or more, zero percent interest financing if paid off by November 2015. WebBank decides whether a customer is eligible for any available promotion.
Approved customers can view their account, pay bills and edit contact details online. Customers can also mail payments to Dell Preferred Account, Payment Processing Center, PO Box 6403, Carol Stream, IL 60197.
Customers can also enroll in Dell Advantage for free and receive 10 percent back in rewards on purchases, two-day shipping, financing offers and exclusive offers from Dell. Dell Advantage is also available to customers without a Dell Preferred Account. These customers receive 5 percent back in rewards on purchases, two-day shipping and offers from Dell.