Get the best deal at Dell when you finance

Changes are coming!

Dell Preferred Account is transitioning to Dell Pay Credit offered by Comenity Capital Bank. New Dell Preferred Account applications will be accepted until September 18, 2023.^ 

  • You can still use your Dell Preferred Account through October 3, 2023.

  • If you are approved and open a Dell Preferred Account, you will convert and receive a new account number and further communication from Comenity Capital Bank.


Convenience Convenience
Spread payments over time


Simplicity Simplicity
Easy to use


Value Value
Exclusive offers and bonus rewards

Dell Preferred Account

Dell Preferred Account Benefits

Earn 5,000 Dell Rewards points* when you open a Dell Preferred Account (DPA)

Earn 3% back in Dell Rewards* (even when you finance your purchase)

Limited-time exclusive discounts on the latest technology

Express checkout available for every financed purchase

Get Access

Click here to pay your bill and manage your account.

Express Checkout

Link your DPA and MyAccount for faster checkout.

FAQ & Resources

General Questions

Dell Preferred Account is a revolving line of credit which allows you to pay for your purchase all at once or gives you the flexibility to make monthly payments. This account is offered by WebBank and serviced by Dell Financial Services. With this account there is no prepayment penalty. You may also qualify for promotions and discounts on future purchases.

You can use your Dell Preferred Account to shop online at, including refurbished online at and over the phone at 1-800-WWW-DELL.

Interest will be charged to your account from the transaction posting date if the promotional balance is not paid in full by the end of the promotional period, or if you make a late payment. Minimum monthly payments are required but may not pay your promotional balance by the end of the promotional period due to purchase amount, promotion length, additional purchases or allocation of payments in excess of the minimum payment (see minimum payment question for additional information). If not paid by the end of the promotional period, account balance and new purchases will be subject to your Standard APR rate as found on your DPA Credit Agreement. Offers subject to credit approval and may be changed without notice. Minimum purchase amount may be required.

No, we are unable to transfer balances to this account from other credit cards. The Dell Preferred Account is solely for purchases of products offered on or other Dell participating retailers. For more information please see the information provided in response to “Where can I use my Dell Preferred Account?”.

For your convenience, we have created a calculator to help estimate the total cost of your purchase. Click Here


No. When pre-qualifying for a DPA, your credit report is requested from a credit reporting agency. This is a soft inquiry that won’t impact your score.

If you decide to open a DPA you will need to submit a complete application. Your credit will be pulled at the time of submission. This is a hard inquiry which may have an impact on your score.

No. Unlike some other popular forms of payment, you don't need to re-apply every time you use your DPA. DPA is a revolving line of credit, available for use as long as the account is open and in good standing.

Most customers receive a credit decision within seconds of submitting their DPA application.

Payments and Rates

No. DPA does require minimum monthly payments, but customers can pay more than the minimum amount at any time to fit their situation. Interest will continue to accrue on any unpaid balance on the account.

Yes, minimum monthly payments are required. Your Minimum Payment Due is the greater of either $20 or 3% of the New Balance shown on your billing statement (excluding any balance on a Planned Payment Purchase prior to its expiration date) rounded up to the next dollar, plus any Monthly Planned Payment Due, plus the sum of all past due amounts. If your purchase qualified for a financing promotion, the required minimum monthly payments may not pay off your purchase in full by the end of the promotional period due to purchase amount, promotion length, additional purchases or allocation of payments in excess of the minimum payment.

During the last two months of any promotional offer consisting of a No Interest if paid in full Credit Plan, amounts paid over the Minimum Payment Due will be applied to the remaining balance of the No Interest if paid in full Credit Plan about to expire.

Approval is based on creditworthiness, as determined by WebBank. Customers not eligible for the lowest available rate or a promotional financing feature may still be offered financing. Increasing the amount paid each month can reduce the total finance charges on your account.

Yes, you may log on to to pay your Dell Preferred Account bill online.

Yes, please send your payments to the following address if sent by overnight mail:

Dell Preferred Account
Payment Processing - #6403
2012 Corporate Lane
Suite 108
Naperville, IL 60563

Dell Preferred Account
Payment Processing Center
P.O. Box 6403
Carol Stream, IL 60197

As a Dell Preferred Account holder, you will not be held responsible for unauthorized purchase(s) on your Dell Preferred Account under the following conditions: You report the unauthorized purchase(s) within 90 days of the transaction appearing on your statement; and you cooperate with Dell Financial Services in the investigation of the fraudulent charges on your account. If you suspect unauthorized activity on your account, contact the Dell Financial Services Customer Service Team, toll-free, at 1- 800-283-2210 . Customer Service agents are available M-F, 7AM to 8PM (CT).

If you think there is an error on your statement, write to us at:

Dell Preferred Account
Attn: Billing Inquiry Department
P.O. Box 81585
Austin, TX 78708-1585

In your letter, please provide the following information:

  • Account information: Your name and account number.
  • Dollar amount: The dollar amount of the suspected error.
  • Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.
You must contact us:
  • Within 60 days after the error appeared on your statement.
  • At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.
You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.


Yes, you may log on to your account on to view your account balance, update personal information and even change your password.

If you need to make any changes to the telephone numbers or home address we have on file, please log on to your account on and make the necessary changes.