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.
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.
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 upfront cost and the sign-up process is supposedly straightforward. AO also regularly offers some of the cheapest PS4 bundles available, which is an added bonus.
Price decreased from £359.00 to £339.00 on 10th May at 16:52
Deal first found on 21st Mar at 16:57
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 allows you to pay back the full amount when it suits you. You can sign up for an Argos Card either online or in store. If you already have one, you could get your hands on an interest free PS4 in no time at all.
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).
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.
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, MusicMagpie but also Littlewoods. 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. Or if you can only afford to pay over 6 months, you’ll need Argos or AO.com
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. Very.co.uk makes it possible for you to purchase a PS4 Pro on either a 6- or 12-month plan at an interest rate of 39.9% APR variable representative. If you want to opt for a few cheaper options, consider Currys PC World at 24.9% APR representative, and ShopTo who offers PayPal Credit over 6 to 24 months, at only 14.9% APR representative.
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 will 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 10 cheapest prices (if purchased outright) for new PS4 Pro consoles, all available to buy on finance from the retailers we’ve featured above.