Replying to Dell monthly payment plan

im gonna be buying a dell laptop this summer (i dont need any comments on how mac's are way better and stuff ive already heard it) but anyway i need to know a few things...can i go on there monthly plan without backing from like a company. like could i just organize it with my bank, or do i have to have some kind of company backing me with it. Also has anyone done one of these plans with dell...cause i was reading a few threads about it on there site and some people seem to get pretty pissed off cause of bills that dont make sense and stuff...anyway sorry for it being so long hopefully someone can help me here