I would never lease or credit for a computer. It`s cheap enough to buy all the parts from ebay and build a nice pc.
I have a 2.8ghz AMD with 1.5gb ram, 80gb and 40gb hard drive, dvd burner, cdrw which is pretty top of line. All of it came from ebay for an approx total of $220. The tower case is pretty old and worn but the insides work just fine.
I`ve put together quite a few machines for friends and saved them several hundred dollars. No need to line the pockets of Dell and the big businesses.
Bob.