If you’re someone looking to enjoy the thrills and spills of PC gaming but don’t want to suffer the high cost, buying a dedicated gaming laptop is one of the most affordable routes. Just think, in addition to the PC tower itself, you’ll need to contend with different sized monitors, graphics cards and who knows what other extras. Getting together a decent setup can see costs rise to well over £1000. A gaming laptop, however, lets you do away with all the stress of that – locking down all the necessary components into one solid unit. Sure, gaming laptops are cheaper, but what if you’d still prefer to spread the cost?
Finance is a popular option, often being the best way to remove the various financial boundaries standing between you and all the benefits that a gaming laptop has to offer. But where is best to take out gaming laptop finance? Luckily, we’ve scoured all the best finance deals applicable to gaming laptops, so you don’t have to. We’ve researched which UK retailers offer gaming laptop finance plans and on what terms.
Interest free gaming laptop financeao
Spreading the cost on a new gaming laptop doesn’t get easier than opting for a 0% finance plan. It is, after all, the only dedicated option that guarantees you pick one up for nothing but the original cost – hence why it’s also referred to as interest free. Your average gaming laptop will cost you anywhere between £800 and £2000. You won’t need to pay this in one lump sum when securing an interest free gaming laptop finance option from any one of the following UK retailers:
AO’s 0% interest credit is offered over a period of either 6 or 12 months, typically payable in monthly instalments. You won’t have to pay any admin fees or anything up front and the sign-up process is ostensibly very simple. AO also features a wide range of gaming laptop units, including from such top-tier brands as Asus, MSI and Razer - each one available on next-day delivery.
Every aspect of finance from Argos is done through what’s known as an Argos Card, where customers can purchase any item in the catalogue (gaming laptops included) on a 0% interest plan for up to 12 months. You can sign up for an Argos Card either online or in store. A huge perk is that you can pay this back at a rate that suits you, accruing no interest if the full amount is paid before the interest free period comes to an end.
As the UK’s most popular physical games retailer, interest free credit via GAME is done through their online portal which is directly tied into PayPal Credit. It’s applicable to any item over £99 (not a problem for a new gaming laptop) but has to be paid within 4 months period if you don’t want to accumulate any additional interest. Go over the given date and the interest payable is 19.9% APR (variable).
Music Magpie is one of the few second-hand focussed UK retailers that offer gaming laptops at a 0% interest rate. This credit plan is actually applicable to any item over £99 and matches GAME’s finance option in that interest free gaming laptop deals from Music Magpie can only be used in conjunction with PayPal Credit.
Buy now pay later gaming laptop finance
Not got the cash to pay for the gaming laptop you want today? A buy now pay later finance plan from any of the retailers already mentioned will do the trick, giving you anywhere between 3 and 12 months to settle the account in full without accruing any interest. Argos is the one retailer where this maximum period is always guaranteed thanks to its Argos Card, which automatically puts any piece of tech priced at £199 or more onto a 12-month plan. If you can only afford to pay over a length of 6 months, however, AO.com is a safe bet for gaming laptop finance.
Pay monthly gaming laptop finance
Spreading the cost of your gaming laptop on a month-by-month basis is ideal for anyone who gets paid this way. And luckily, there are plenty of retailers that make this an easy option.
Currys PC World and ShopTo offer pay monthly plans boasting an interest rate of 24.9% APR and the latter who offers it over 6 to 24 months, at only 14.9% APR representative, via PayPal Credit.
Spread payment gaming laptop finance
Laptops Direct allows you to buy a gaming laptop and pay for it over several months via PayPal Credit or V12 Finance, with the latter only available to you if the gaming laptop you opt for is over £275. V12 Finance allows you to purchase your gaming laptop over longer periods, up to 48 months. Both finance providers come with an APR of 19.9%.
Studio have a wide range of gaming laptops that are applicable to its flexible finance credit plan. The main benefit is that there’s no need to pay anything up front and you don’t have to sign up for a credit card. Instead, all you need to do is place your order and apply for credit at checkout, paying the fee back over an agreed-upon period at 49.9% APR.
Finally, for arguably the widest variety of gaming laptops, Ebuyer.com also offers spread payment pay monthly gaming laptop finance, at 14.9% APR. You need to stump up a deposit between 10 - 30%, and you can opt to finance your gaming laptop over 12 months, 24 months or 36 months. To pay as little interest as possible, you would need to pay 30% deposit and opt for 12 months pay monthly finance.
Pay weekly gaming laptop finance
Picking up a gaming laptop as part of the pay weekly plan works best for people who are forgetful. Paying week-to-week as opposed to month-to-month ensures that the credit is always on your mind, making it more likely that you’ll pay it off sooner to accrue less interest. Weekly finance isn’t as common as monthly or interest free, but there are a couple of places that offer this.
Argos’ approach to finance is a lot more flexible than most, and its Argos Card can be used in such a way that any gaming laptop bought using it can be paid for week-to-week. It allows members to enjoy periods of 3, 6 and 12 months of interest free credit, but gaming laptops easily qualify for the latter and payments can be made whenever suits you.
One of the most popular pay weekly retailers, BrightHouse various second-hand gamin laptops either on Pay Monthly or Pay Weekly plan at a fixed rate of 99.9% APR representative.
Gaming Laptop deals
As is now hopefully the case, opting to purchase a dedicated gaming laptop on finance needn’t be as daunting as it initially sounds. All of the UK retailers listed above make it relatively easy to get started despite your preferred type of plan, removing all the typical financial barriers to let you swiftly get started in the realm of PC gaming. If you haven’t yet decided which gaming laptop you want to buy, head on over to our gaming laptop deals page.
NB: The information in this guide does not constitute financial advice, always do your own research on top to ensure it’s right for your specific circumstances. The content in our guide focusses on finance options and interest rates, not the level of service offered.