It’s 2021 and still the highly popular Nintendo Switch can be a tricky one to pin down. The handheld/home console hybrid was a popular way to while away lockdown in the early months of last year, sure, and now – due to ongoing semiconductor shortages currently throttling Nintendo Switch stock worldwide – it is again unfortunately very tricky to get your hands on one. This is especially the case when scalper retailers begin hiking their prices. But what if you were to circumvent this by purchasing a Nintendo Switch through finance? That’s where this guide aims to help.
With a Nintendo Switch retailing for £279.99, it’s a fair
chunk of money to find and pay in one lump sum. Of course, you could wait for
the 2021 Amazon Prime Day Nintendo Switch deals, or spread the cost by way of a fair and
understandable finance plan. So we’ve done the research for you and looked at
all available Nintendo Switch finance plans available in the UK, starting with
the retailers that offer zero interest Nintendo Switch finance. Better yet, if
finance offers are still elusive, phone contract renewals seem to be a solid
route. All these options (and more) we'll be exploring in this article.
Nintendo Switch 0% Interest Free Finance
Buying a Nintendo Switch as part of a 0% interest finance plan where possible is always the best choice, as it’s the only option where you can pick one up for solely the asking price. Luckily, there’s a wide swathe of retailers that make it easy for customers to pick up a 0% interest Nintendo Switch.
Argos interest free Nintendo Switch deals. Argos’ interest free credit is offered up to a period of 12 months, unique in that you can pay it back as and when it suits you providing its before that length of time. If you cannot meet any of the minimum monthly payments, you will be charged interest (29.9% APR). If you don't already own an Argos Card, you'll need to sign up for one online, which you do at the checkout stage after adding a Nintendo Switch console to your basket. You'll need to have your console delivered to your home address as your identity will need to be checked as part of the process.
AO interest free Nintendo Switch deals. AO’s interest free credit is offered over a length of 6 or 12 months, and is paid on a month-by-month basis. There is zero deposit required and you will take delivery of your console the next working day free of charge. Your purchase will need to be over £350 for it to be eligible for the 12 month interest free option, so add a few extras to your basket if this is the time period you need. Bear in mind that 0% interest free from AO requires a minimum spend of £200 overall, so if it's a Nintendo Switch Lite you're looking for be sure to pick one up as part of a bundle.
GAME interest free Nintendo Switch deals. 0% interest via GAME is only available through their online storefront using a service called Paypal Credit. It’s applicable to any item over £99 – so the Nintendo Switch works fine – and must be paid over a 4-month period if you don’t wish to pay interest. Buying a Nintendo Switch with PayPal Credit is relatively quick and easy.
Music Magpie interest free Nintendo Switch deals. Being exclusively a retailer specialising in second-hand products (consoles included), Music Magpie offer refurbished Nintendo Switch consoles at a 0% interest rate. Your order will need to be over £99 and is only possible again using the PayPal Credit service, which offers a fast way of taking out Nintendo Switch finance.
Nintendo Switch Buy Now Pay Later Finance
If you want to buy a Nintendo Switch without any upfront cost, you can apply for a buy now pay later finance agreement. At the time of writing this guide, retailers offering buy now pay later games console finance include Argos, MusicMagpie, AO.com, GAME and Ebay.
Make sure you check how long you have to pay for the Nintendo Switch console, as some offer terms of as little as 3 months, while some - like Argos - will give you a full 12 months to settle the account, with no interest to pay. However if you miss any of the minimum monthly payments you will be charged interest.
Nintendo Switch Pay Monthly Finance
Many retailers provide you the option with paying for a Nintendo Switch via monthly instalments, which can work out better for those not wanting to pay out for it in one lump sum.
You can pay for a Nintendo Switch on a monthly payment plan at Argos, with interest charged at 29.9% APR. However if you can meet the minimum monthly payment shown on your statement, you'll avoid paying any interest.
AO.com and Ebay.co.uk allows you to buy a new Nintendo Switch console and pay for it over 12, 24, 36 or 48 months. There is no deposit to pay and the interest is 19.9% APR.
One other retailer you may wish to consider is Currys PC World, offering pay monthly Nintendo Switch finance at 24.9% APR representative.
Currys PC World representative example: Nintendo Switch £279.00. Pay 36 monthly payments of £10.71. Total amount payable £385.56. Rate of interest 24.9% (variable) 24.9% APR representative.
Nintendo Switch Pay Weekly Finance
Choosing to pay for your Nintendo Switch on finance weekly decreases the chances that you’ll ever forget that an instalment is due. This option also suits those whose salary is weekly, being a great way to pay off the loan faster to avoid the risk of accruing any avoidable interest.
If this is your preferred finance option, one retailer to consider is Argos. Technically, Argos doesn’t offer an official pay weekly plan, but the way their finance plan is set up lets you pay instalments whenever you want and so can be treated as weekly. You’ll need to sign up for an Argos Card and make sure it’s paid off before 12 months.
The other alternative would be buying a Nintendo Switch on a pay weekly plan at BrightHouse – a pre-owned product retailer that offers the Nintendo Switch as Pay Monthly, Pay Fortnightly or Pay Weekly at a fixed rate of 99.9% APR representative.
Nintendo Switch Bad Credit Finance
If you have a poor credit history, your chances of securing finance for a new games console from any of the retailers we've mentioned above is extremely slim. But there is one retailer that states. "we offer credit to 96% of our customers", and all consoles come with 0% APR. The catch is the over inflated prices in the first place. If you want to check them out, visit Lintronics.uk
Nintendo Switch Paypal Credit Finance
There are two major retailers in the UK that allow you to buy a Nintendo Switch console with PayPal Credit, namely GAME and Ebay.co.uk. PayPal Credit allows you to buy a Nintendo Switch on 0% interest for 4 months. If you have any remaining balance due after the 4 month term, you will be charged interest at 19.9% APR (variable).
Nintendo Switch consoles available at other major retailers
Please note we cannot confirm if any of the following retailers offer finance plans, but we have included them here for your reference only.
If you're looking for a particular bundle, head over to our best Nintendo Switch deals page to compare all available bundles.
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.