The whole function of a Bill me later option is to let you take the laptop today without any down payment. Pay later laptops allow you the ability to save up your money and pay on your first bill receipt, or you can pay the entire amount after 30 days. This would be good if you did not want to use up all of your money at the time you needed a laptop, so you were able to buy groceries and pay the rest of your bills instead of buying the laptop outright that day. This kind of financing also helps boost sales for smaller business owners, because small businesses will accept different things as payment including the Bill me later type.
Without having credit approval you may not get approved for financing laptops this way. Good ways to find out information is to call the lender or call the store and asked some questions about their financial situations and what they can offer you for deals. If the store is the one that will offer you the bill me later funding, then you only need to talk to them. When the lender is a separate company you will want to call them as well and find out what information they can give you as far as what you can buy for product so that you can afford it.
Each time you want to purchase a new electronic item it can be very frustrating, because you do not have the money upfront. There are many different ways to get funding and all you have to do is ask the store or lender who is offering finances to allow people to buy new electronics that come out. By looking at multiple locations and talking to several different people about what you can afford based off your income will help you more understand what is needed in order to be approved for a loan that will allow you to pay on the item later, and not put anything down on it now.