I have purchased and been happy with at least 4 computers from Dell. I had paid off all but the newest one when I was laid off last year.
I tried to keep up with my payments but Dell raised my APR to 29.99%. I called today to make payment arrangements, only to be told by some lady in India that, "Dell doesn't do that."
I am trying to do the right thing here but they are making it difficult, if not impossible. Dell Financial has convinced me to never buy another Dell computer - ever - and I will tell everyone I know about my experience.