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How to Buy a High-Capacity NAS Drive

How to · Tech

How to Buy a High-Capacity NAS Drive

A smart strategy for buying reliable storage without breaking your budget all at once.

VoAtlas editorial Updated · 3 min read
Typical cost $450 before anything else
Across the 0% window $25.00/mo 18 months, no interest

How we got that: $450 spread evenly across the 18-month introductory window on the Citi Simplicity® Credit Card. Checked · at the bank Carry a balance past the window and the standard APR applies to what is left.

A high-capacity network attached storage drive is an investment in your digital safety. You want one that lasts for years, so buy for capacity and reliability today instead of settling for something you will have to replace in twelve months.

Tech manufacturers usually refresh their lines in the spring or late summer. Check prices during major retail events in July or November when last year's top-tier models often see steep discounts, giving you more storage for your dollar.

Remember that the 18-month intro window is a deadline, not free money. If you have a remaining balance after the 18 months are up, you will be charged interest on what is left over.

The steps

  1. 01

    Define your storage needs

    Calculate your current data and estimate your growth for the next three years. Buying a larger drive now saves you from needing a second unit later.

  2. 02

    Track the price drops

    Use a price tracker tool to monitor the model you want. Wait for the big retail events in July or November to see the lowest price point.

  3. 03

    Use the card for breathing room

    The Citi Simplicity® Credit Card offers 0% for 18 months on purchases and balance transfers from date of account opening. This lets you pay the $450 cost over 18 months at $25.00 per month.

  4. 04

    Set up an auto-pay

    Divide the total cost by the 18-month window to get your monthly payment. Set a recurring transfer to ensure you stay on track and clear the balance before the intro window ends.

  5. 05

    Verify your warranty

    Register your drive with the manufacturer immediately. Keep your digital receipt in a safe folder to ensure you can claim your warranty if the hardware fails.

  6. 06

    Check the card terms before you commit

    Every figure we publish for the Citi Simplicity® Credit Card carries the date a person verified it against Citi and a link to where they checked. Intro windows and APRs change without notice, so confirm the current terms before applying.

    See Citi Simplicity® Credit Card terms →

Common questions

Is a NAS worth the money?

It is worth it if you value your photos and documents. Having a centralized backup means you do not lose everything if your computer crashes.

Should I buy the newest model?

Usually, no. Last year's model is often just as fast and much cheaper during sales events. Unless you need a specific new port or feature, stick to the proven version.

What happens if I miss a payment?

Missing a payment can end your 0% deal early. Always set up an auto-pay so the monthly amount is covered even if you forget.

Do I need extra hard drives?

Most NAS units are just the box. Make sure you check if the price includes the actual storage drives or if you need to buy them separately.