Where to buy a PS4 on finance and pay 0% interest

By Tom Johnson | | 21619 |

Buying a games console can be expensive, especially a brand new PS4 console. The most popular PS4 console to buy is actually the most expensive model, the PS4 Pro – Sony’s incremental half-step console that allows players to experience the joys of native 4K gaming, alongside faster frame rates, shorter load times and improved HDR.

PS4 Interest Free | PS4 Buy Now Pay Later | PS4 Pay Monthly | PS4 Pay Weekly | PS4 Bad Credit | PS4 Pro finance

As the dedicated pro gamer’s PS4 of choice, buying one can be a costly endeavour – but not if you choose to purchase a PS4 via finance, such as 0% interest, Buy Now Pay Later (BNPL), pay monthly and pay weekly. To help you find the right finance plan to suit your budget, we’ve researched which UK retailers offer PS4 finance plans and on what terms.

Interest free PS4 finance

PS4 0% Interest

A 0% interest PS4 finance plan is without doubt the best way to spread the cost of your purchase, being the only dedicated finance options that ensures you pick up a new PS4 console for its original cost and nothing more. This is a great way to finance the cost of a PS4 Pro, which will set you back at least £300. Multiple retailers offer interest free PS4 finance options, and they are:

Interest free PS4 deals from AO. AO’s interest free credit is offered over a length of 6 or 12 months in monthly instalments. There’s no initial upfront cost and the sign-up process is extremely straightforward. AO also regularly offers some of the cheapest PS4 bundles available, which is an added bonus, as is the free of charge next day delivery on all PS4 consoles. Just make sure that your preferred PS4 bundle is priced over £200 – that way you’ll qualify for the interest free plan.

  • Price increased from £209.00 to £249.00 on 5th Nov at 11:08
  • Deal history
    • Price increased from £209.00 to £249.00 on 5th Nov at 11:08
    • Came into stock on 29th Oct at 10:12
    • Went out of stock on 25th Oct at 15:31
    • Deal first found on 25th Oct at 12:30
    PS4 Pro + FIFA 20 for just £339.00
    FIFA 20

    PS4 Pro 1TB console bundled with:

    £339.00

    In Stock

    • Price decreased from £349.00 to £339.00 on 6th Nov at 14:17
  • Deal history
    • Price decreased from £349.00 to £339.00 on 6th Nov at 14:17
    • Price increased from £319.00 to £349.00 on 5th Nov at 11:08
    • Price decreased from £349.00 to £319.00 on 25th Oct at 09:29
    • Price increased from £319.00 to £349.00 on 14th Oct at 10:41
    • Came into stock on 8th Oct at 20:27
    • Deal first found on 4th Oct at 16:14

    Interest free PS4 deals from Argos. Argos’ interest free credit is offered up to a period of 12 months with no additional cost when you purchase a PS4 console via their unique Argos Card, which offers flexible payment terms so you can pay back the full amount when it suits you. To avoid paying interest (29.9% APR) you will need to meet the minimum monthly payment. You can sign up for an Argos Card online in a matter of minutes.

    PS4 Slim + FIFA 20 for just £249.99
    FIFA 20

    PS4 Slim 500GB console bundled with:

    £249.99

    In Stock

    • Price increased from £209.99 to £249.99 on 5th Nov at 06:19
  • Deal history
    • Price increased from £209.99 to £249.99 on 5th Nov at 06:19
    • Came into stock on 28th Oct at 14:47
    • Went out of stock on 27th Oct at 20:20
    • Came into stock on 27th Oct at 14:00
    • Went out of stock on 27th Oct at 01:33
    • Deal first found on 6th Oct at 21:43
    PS4 Pro + FIFA 20 for just £349.99
    FIFA 20

    PS4 Pro 1TB console bundled with:

    £349.99

    In Stock

    • Price increased from £309.99 to £349.99 on 5th Nov at 06:19
  • Deal history
    • Price increased from £309.99 to £349.99 on 5th Nov at 06:19
    • Price decreased from £349.99 to £309.99 on 25th Oct at 05:24
    • Price increased from £319.99 to £349.99 on 11th Oct at 05:59
    • Price increased from £309.99 to £319.99 on 8th Oct at 09:53
    • Deal first found on 6th Oct at 21:43

    Interest free PS4 deals from GAME. The only way to enjoy 0% interest via GAME is through their online portion via a service known as PayPal Credit. It’s applicable to any item over £99 (including the more expensive model, the PS4 Pro) and must be successfully paid over a 4-month period if you want to accrue no additional interest. Miss the deadline and the interest payable is 19.9% APR (variable).

    PS4 Slim + FIFA 20 + NOW TV 2 Months Entertainment Pass for just £249.00
    FIFA 20
    NOW TV 2 Months Entertainment Pass

    PS4 Slim 500GB console bundled with:

    • FIFA 20
    • NOW TV 2 Months Entertainment Pass
    £249.00

    In Stock

    • Price increased from £209.00 to £249.00 on 5th Nov at 00:59
  • Deal history
    • Price increased from £209.00 to £249.00 on 5th Nov at 00:59
    • Price decreased from £249.00 to £209.00 on 25th Oct at 01:10
    • Deal first found on 11th Oct at 01:43
    PS4 Pro + NOW TV 2 Months Entertainment Pass for just £349.00
    NOW TV 2 Months Entertainment Pass

    PS4 Pro 1TB console bundled with:

    • NOW TV 2 Months Entertainment Pass
    £349.00

    In Stock

    • Price increased from £299.00 to £349.00 on 5th Nov at 00:59
  • Deal history
    • Price increased from £299.00 to £349.00 on 5th Nov at 00:59
    • Price decreased from £349.00 to £299.00 on 25th Oct at 01:10
    • Deal first found on 11th Oct at 01:43

    Interest free PS4 deals from Music Magpie. Music Magpie specialise in offering refurbished PS4 consoles – second hand PlayStations that have been given an ‘MOT’ – at a 0% interest rate. Your order will need to be over £99 (most refurbished PS4 consoles will be over this price tag), and much like with GAME can only be used in conjunction with PayPal Credit.

    Buy now pay later PS4 finance

    Buy Now Pay Later PS4

    If you’re desperate to pick up a new PS4 console but haven’t got the cash to pay for it today, you can opt for a buy now pay later finance plan from the same retailers we name above that offer interest free finance, namely AO.com, Argos, GAME, and MusicMagpie.

    You’ll be given anywhere between 3 months, to 12 months to settle the account in full without accruing any interest. If you want to spread the cost over the maximum term – 12 months – you’ll need to pay for your PS4 console from Argos using an Argos Card.

    PS4 Slim + FIFA 20 for just £249.99
    FIFA 20

    PS4 Slim 500GB console bundled with:

    £249.99

    In Stock

    • Price increased from £209.99 to £249.99 on 5th Nov at 06:19
  • Deal history
    • Price increased from £209.99 to £249.99 on 5th Nov at 06:19
    • Came into stock on 28th Oct at 14:47
    • Went out of stock on 27th Oct at 20:20
    • Came into stock on 27th Oct at 14:00
    • Went out of stock on 27th Oct at 01:33
    • Deal first found on 6th Oct at 21:43
    PS4 Pro + FIFA 20 for just £349.99
    FIFA 20

    PS4 Pro 1TB console bundled with:

    £349.99

    In Stock

    • Price increased from £309.99 to £349.99 on 5th Nov at 06:19
  • Deal history
    • Price increased from £309.99 to £349.99 on 5th Nov at 06:19
    • Price decreased from £349.99 to £309.99 on 25th Oct at 05:24
    • Price increased from £319.99 to £349.99 on 11th Oct at 05:59
    • Price increased from £309.99 to £319.99 on 8th Oct at 09:53
    • Deal first found on 6th Oct at 21:43

    Pay monthly PS4 finance

    Spreading the cost of your PS4 Pro on a month-by-month basis is very convenient for those that get paid this way, and there are a few top retailers that provide this option.

    Argos offers flexible finance plans when purchasing goods with an Argos Card. You can spread the payment over a period that suits you. To avoid paying interest (29.9% APR), you’ll need to meet the minimum monthly payment as shown on your statement. To apply for an Argos Card, you’ll need to add a PS4 console to your online basket, and opt for home delivery so that your identity can be confirmed instantly.

    PS4 Slim + FIFA 20 for just £249.99
    FIFA 20

    PS4 Slim 500GB console bundled with:

    £249.99

    In Stock

    • Price increased from £209.99 to £249.99 on 5th Nov at 06:19
  • Deal history
    • Price increased from £209.99 to £249.99 on 5th Nov at 06:19
    • Came into stock on 28th Oct at 14:47
    • Went out of stock on 27th Oct at 20:20
    • Came into stock on 27th Oct at 14:00
    • Went out of stock on 27th Oct at 01:33
    • Deal first found on 6th Oct at 21:43
    PS4 Pro + FIFA 20 for just £349.99
    FIFA 20

    PS4 Pro 1TB console bundled with:

    £349.99

    In Stock

    • Price increased from £309.99 to £349.99 on 5th Nov at 06:19
  • Deal history
    • Price increased from £309.99 to £349.99 on 5th Nov at 06:19
    • Price decreased from £349.99 to £309.99 on 25th Oct at 05:24
    • Price increased from £319.99 to £349.99 on 11th Oct at 05:59
    • Price increased from £309.99 to £319.99 on 8th Oct at 09:53
    • Deal first found on 6th Oct at 21:43

    AO.com is currently offering pay monthly PS4 finance at 19.9% APR. On top of this, AO prices its PS4 deals very competitively. You can pay between 12, 24, 36 or 48 months and there’s zero deposit to pay.

    • Price increased from £209.00 to £249.00 on 5th Nov at 11:08
  • Deal history
    • Price increased from £209.00 to £249.00 on 5th Nov at 11:08
    • Came into stock on 29th Oct at 10:12
    • Went out of stock on 25th Oct at 15:31
    • Deal first found on 25th Oct at 12:30
    PS4 Pro + FIFA 20 for just £339.00
    FIFA 20

    PS4 Pro 1TB console bundled with:

    £339.00

    In Stock

    • Price decreased from £349.00 to £339.00 on 6th Nov at 14:17
  • Deal history
    • Price decreased from £349.00 to £339.00 on 6th Nov at 14:17
    • Price increased from £319.00 to £349.00 on 5th Nov at 11:08
    • Price decreased from £349.00 to £319.00 on 25th Oct at 09:29
    • Price increased from £319.00 to £349.00 on 14th Oct at 10:41
    • Came into stock on 8th Oct at 20:27
    • Deal first found on 4th Oct at 16:14

    Currys PC World allow you to buy PS4 consoles over several years at 24.9% APR representative, and ShopTo who offers PayPal Credit over 6 to 24 months, at only 14.9% APR representative.

    PS4 Slim for just £249.00

    PS4 Slim 500GB console

    £249.00

    In Stock

    • Price increased from £209.00 to £249.00 on 5th Nov at 04:38
  • Deal history
    • Price increased from £209.00 to £249.00 on 5th Nov at 04:38
    • Price decreased from £249.00 to £209.00 on 25th Oct at 03:42
    • Price increased from £209.00 to £249.00 on 11th Oct at 05:12
    • Price decreased from £219.00 to £209.00 on 8th Oct at 04:42
    • Price decreased from £249.00 to £219.00 on 27th Sep at 03:47
    • Deal first found on 14th Dec at 13:00
    PS4 Pro for just £349.00

    PS4 Pro 1TB console

    £349.00

    In Stock

    • Price increased from £299.00 to £349.00 on 5th Nov at 04:38
  • Deal history
    • Price increased from £299.00 to £349.00 on 5th Nov at 04:38
    • Price decreased from £349.00 to £299.00 on 25th Oct at 03:42
    • Price increased from £319.00 to £349.00 on 11th Oct at 05:12
    • Price decreased from £349.00 to £319.00 on 27th Sep at 03:47
    • Came into stock on 4th Jul at 09:34
    • Deal first found on 6th Nov at 18:35

    How to apply for pay monthly PS4 finance

    If you opt to buy your PS4 from Currys PC World, you can opt for pay monthly finance when you get to the checkout stage online. You will need to complete a simple online application at which point your credit file will be checked. If you feel you have poor or bad credit, you may be rejected for PS4 finance. If approval is granted, all you then need to do is e-sign the credit agreement and your purchase is complete. You can then expect delivery of your shiny new console within a few days.

    Pay weekly PS4 finance

    Choosing to pick up a PS4 Pro as part of a pay weekly plan is most suited to the forgetful, as a weekly reminder can be a good kick up the backside for anyone wanting to accrue to the least amount of interest possible. There are a couple of places that offer this:

    • Pay weekly PS4 deals at Argos. Argos doesn’t offer a pay weekly plan explicitly, but the catalogue-driven retailer lets you to pay instalments whenever is convenient for you, and so can be treated as a pay weekly finance plan. You’ll have to sign up for an Argos Card and make sure it’s paid off before 6, 9 or 12 months (whichever one your purchase falls under) and it’s entirely interest free.
    • Pay weekly PS4 deals at BrightHouse. One of the most popular pay weekly retailers, BrightHouse offers refurbished PS4 Pro on Pay Monthly or Pay Weekly plans at a fixed rate of 99.9% APR representative. However, a small portion of people might want to take advantage of BrightHouse’s Pay Fortnightly option.

    PS4 finance bad credit

    Those with a bad credit history may find it difficult to get a finance deal from the retailers we’ve mentioned above, but there is one retailer online that offers finance to “96% of customers that apply”. We’ve never heard of them before conducting the research for this guide, so we can’t comment on the service offered. The retailer is called Lintronics.uk and they stock several PS4 bundles available on finance – which all come with 0% APR. The one catch is the high price tag!

    PS4 Pro finance deals

    We hope you’ve found the information in this guide useful, and you now know which retailer you need to head to for a new PS4 console on finance. If it’s the PS4 Pro that you’ve got your heart set on, here’s today’s 4 cheapest prices (if purchased outright) for new PS4 Pro consoles, all available to buy on finance from the retailers we’ve featured above.

    PS4 Pro + FIFA 20 for just £339.00
    FIFA 20

    PS4 Pro 1TB console bundled with:

    £339.00

    In Stock

    • Price decreased from £349.00 to £339.00 on 6th Nov at 14:17
  • Deal history
    • Price decreased from £349.00 to £339.00 on 6th Nov at 14:17
    • Price increased from £319.00 to £349.00 on 5th Nov at 11:08
    • Price decreased from £349.00 to £319.00 on 25th Oct at 09:29
    • Price increased from £319.00 to £349.00 on 14th Oct at 10:41
    • Came into stock on 8th Oct at 20:27
    • Deal first found on 4th Oct at 16:14
    PS4 Pro + FIFA 20 for just £349.99
    FIFA 20

    PS4 Pro 1TB console bundled with:

    £349.99

    In Stock

    • Price increased from £309.99 to £349.99 on 5th Nov at 06:19
  • Deal history
    • Price increased from £309.99 to £349.99 on 5th Nov at 06:19
    • Price decreased from £349.99 to £309.99 on 25th Oct at 05:24
    • Price increased from £319.99 to £349.99 on 11th Oct at 05:59
    • Price increased from £309.99 to £319.99 on 8th Oct at 09:53
    • Deal first found on 6th Oct at 21:43
    PS4 Pro + NOW TV 2 Months Entertainment Pass for just £349.00
    NOW TV 2 Months Entertainment Pass

    PS4 Pro 1TB console bundled with:

    • NOW TV 2 Months Entertainment Pass
    £349.00

    In Stock

    • Price increased from £299.00 to £349.00 on 5th Nov at 00:59
  • Deal history
    • Price increased from £299.00 to £349.00 on 5th Nov at 00:59
    • Price decreased from £349.00 to £299.00 on 25th Oct at 01:10
    • Deal first found on 11th Oct at 01:43
    PS4 Pro for just £349.00

    PS4 Pro 1TB console

    £349.00

    In Stock

    • Price increased from £299.00 to £349.00 on 5th Nov at 04:38
  • Deal history
    • Price increased from £299.00 to £349.00 on 5th Nov at 04:38
    • Price decreased from £349.00 to £299.00 on 25th Oct at 03:42
    • Price increased from £319.00 to £349.00 on 11th Oct at 05:12
    • Price decreased from £349.00 to £319.00 on 27th Sep at 03:47
    • Came into stock on 4th Jul at 09:34
    • Deal first found on 6th Nov at 18:35

    Other PS4 Pro deals available

    Please note we are unable to confirm if finance is available from any of the following retailers, but we have featured them for your reference.

    PS4 Pro + FIFA 20 for just £349.99
    FIFA 20

    PS4 Pro 1TB console bundled with:

    £349.99

    In Stock

    • Price increased from £309.99 to £349.99 on 5th Nov at 02:06
  • Deal history
    • Price increased from £309.99 to £349.99 on 5th Nov at 02:06
    • Price decreased from £349.99 to £309.99 on 25th Oct at 00:36
    • Came into stock on 15th Oct at 17:20
    • Deal first found on 23rd Aug at 15:14
    • Price increased from £409.99 to £459.99 on 5th Nov at 02:40
  • Deal history
    • Price increased from £409.99 to £459.99 on 5th Nov at 02:40
    • Price decreased from £459.99 to £409.99 on 25th Oct at 02:14
    • Price decreased from £509.99 to £459.99 on 12th Oct at 01:44
    • Price increased from £414.99 to £509.99 on 11th Oct at 01:42
    • Price decreased from £459.99 to £414.99 on 27th Sep at 01:07
    • Deal first found on 18th Jan at 21:01
    PS4 Pro for just £349.00

    PS4 Pro 1TB console

    £349.00

    In Stock

    • Price decreased from £349.99 to £349.00 1 day 1 hour ago
  • Deal history
    • Price decreased from £349.99 to £349.00 1 day 1 hour ago
    • Price increased from £349.00 to £349.99 1 day 22 hours ago
    • Price decreased from £349.99 to £349.00 on 8th Nov at 10:30
    • Price increased from £299.00 to £349.99 on 7th Nov at 09:02
    • Came into stock on 7th Nov at 09:02
    • Deal first found on 21st Nov at 10:19

    If you want a particular game bundled with a PS4 console, check out our PS4 bundle deals page where we feature 100’s of deals available to buy today.


    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.