Because, as he's said multiple times he doesn't want to wait and save. I'm sure if he wanted some cheap, poor computer For 50 Dollars on Craigslist that probably doesn't even work or has some parts From the stone age in them that will more than likely be worse than his current laptop, I'm sure he would of already done so. Again like he said, he's in employment and saving, and as this computer is supposedly so important, and as he can't afford it right now he's asking For options about Financing, so when he can afford it next month he can repay his loan.
My apologies if some things I said have came off rude, whether or not it's my business, I hate it when people try and give advice that's not necessarily on topic.