Where to buy a Xbox One on 0% finance

By Tom Johnson | |

Home of the world’s most powerful console, the Xbox One eco-system is a great place to play. Not only is it the home of such celebrated series as Gears of War, Forza Horizon and Halo, but offers players access to amazing money-saving subscription services like Xbox Game Pass and Xbox Gold. The problem comes from how certain consoles, particularly the Xbox One X, can reach price levels as high as £400.

That’s why buying one on finance makes sense, so we’ve put together this concise guide explaining each Xbox One finance plan available in the UK, and which retailers offer them. Or you can jump straight to the best finance deals for Xbox One X or the Xbox One S.



Interest free Xbox One finance

Xbox One 0% Interest

Often considered the best option, a 0% interest Xbox One finance plan will allow you to spread the cost of your purchase without paying a single lick of interest. The length of time in which you can take advantage of accruing no interest will vary from retailer to retailer, but most opt to offer it over either 6 or 12 months. Let’s take a look at the top UK retailers offering interest free finance deals for new Xbox One consoles:

AO interest free Xbox One deals. AO’s interest free credit is offered over a length of 6 or 12 months in monthly instalments, and some of the cheapest Xbox One deals that we feature are regularly available from AO.com.

  • Price decreased from £239.00 to £199.00 on 14th May at 15:48
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    • Price decreased from £239.00 to £199.00 on 14th May at 15:48
    • Price decreased from £249.00 to £239.00 on 1st May at 16:04
    • Price increased from £219.00 to £249.00 on 1st May at 10:01
    • Price decreased from £239.00 to £219.00 on 25th Apr at 14:52
    • Price decreased from £249.00 to £239.00 on 23rd Apr at 16:30
    • Deal first found on 23rd Aug at 18:25
    • Price decreased from £429.00 to £399.00 on 14th May at 15:48
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    • Price decreased from £429.00 to £399.00 on 14th May at 15:48
    • Price decreased from £439.00 to £429.00 on 9th May at 18:40
    • Price decreased from £449.00 to £439.00 on 1st May at 16:04
    • Price increased from £389.00 to £449.00 on 1st May at 10:01
    • Price decreased from £399.00 to £389.00 on 23rd Apr at 16:30
    • Deal first found on 3rd Sep at 06:42

    Argos interest free Xbox One deals. Argos’ interest free credit is offered up to a period of 12 months with no additional cost, letting you pay it back as and when it suits you. All you need to do is sign up for an Argos card.

    • Price decreased from £249.99 to £229.99 on 9th May at 06:43
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    • Price decreased from £249.99 to £229.99 on 9th May at 06:43
    • Price increased from £229.99 to £249.99 on 30th Apr at 07:30
    • Price decreased from £249.99 to £229.99 on 12th Apr at 06:46
    • Price increased from £189.99 to £249.99 on 26th Feb at 06:30
    • Came into stock on 19th Feb at 21:55
    • Deal first found on 2nd Oct at 05:34
    • Price increased from £379.99 to £429.99 on 8th May at 06:27
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    • Price increased from £379.99 to £429.99 on 8th May at 06:27
    • Price decreased from £429.99 to £379.99 on 2nd May at 05:17
    • Price increased from £399.99 to £429.99 on 30th Apr at 07:30
    • Came into stock on 28th Apr at 19:55
    • Went out of stock on 16th Apr at 13:46
    • Deal first found on 16th Oct at 04:58

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    GAME interest free Xbox One deals. The only way to enjoy 0% interest via GAME is through their online storefront using what’s known as PayPal credit. It’s applicable to any item over £99 (Xbox One X included) and must be paid over a 4-month period for no interest to be accrued.

    • Came into stock on 11th May at 11:32
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    • Came into stock on 11th May at 11:32
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    • Came into stock on 2nd Apr at 11:23
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    • Came into stock on 26th Mar at 10:51
    • Deal first found on 26th May at 01:11
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    • Deal first found 1 day 2 hours ago

    Littlewoods interest free Xbox One deals. Subject to status, you can get up to 52 weeks interest free finance for purchases over £180 from Littlewoods. With the cheapest Xbox One consoles retailing for over £200, you’ll qualify for the full year term. For purchases under £180 you will only get 20 weeks of 0% interest.

    • Price increased from £299.99 to £329.99 on 30th Apr at 06:33
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    • Price increased from £299.99 to £329.99 on 30th Apr at 06:33
    • Price decreased from £329.99 to £299.99 on 12th Apr at 00:34
    • Price increased from £259.99 to £329.99 on 26th Feb at 09:19
    • Price decreased from £269.99 to £259.99 on 20th Feb at 14:50
    • Price decreased from £329.99 to £269.99 on 15th Feb at 02:27
    • Deal first found on 7th Feb at 13:56
    • Price increased from £529.99 to £579.99 on 30th Apr at 06:33
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    • Price increased from £529.99 to £579.99 on 30th Apr at 06:33
    • Price increased from £519.99 to £529.99 on 12th Apr at 12:36
    • Price decreased from £579.99 to £519.99 on 12th Apr at 00:34
    • Deal first found on 15th Mar at 16:41

    Music Magpie interest free Xbox One deals. Being a second-hand retailer exclusively, Music Magpie offer refurbished Xbox One consoles at a 0% interest rate. Your order will need to be over £99 and, like GAME, is only possible through PayPal credit.

    Xbox One S for just £139.99
    Refurbished - Very Good

    Xbox One S 500GB

    £139.99

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    • Price decreased from £144.99 to £139.99 1 day 11 hours ago
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    • Price decreased from £144.99 to £139.99 1 day 11 hours ago
    • Price decreased from £149.99 to £144.99 on 18th Apr at 08:37
    • Deal first found on 10th Apr at 16:50
    Xbox One X for just £314.99
    Refurbished - Very Good

    Xbox One X 1TB

    £314.99

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    • Price decreased from £319.99 to £314.99 on 7th May at 17:56
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    • Price decreased from £319.99 to £314.99 on 7th May at 17:56
    • Price decreased from £329.99 to £319.99 on 26th Apr at 13:37
    • Deal first found on 16th Apr at 20:28

    Buy now pay later Xbox One finance

    Xbox One Buy Now Pay Later

    You can buy a new Xbox One without any upfront cost, and pay for it later from a number of retailers. Popular retailers offering Buy Now Pay Later (BNPL) plans include AO.com, Argos, GAME, MusicMagpie and Littlewoods. You will not be charged any interest as long as you settle your account within the time you are given. This ranges from as little as four months, to a whole year – e.g. you may get 12 months to pay for your new Xbox One console from AO.com or from the slightly more expensive console retailer, Littlewoods. We’ve not come across any retailers offering BNPL terms longer than 12 months.

    Pay monthly Xbox One finance

    If for whatever reason your Xbox One of choice isn’t available at a retailer that offers 0% finance, the rule of thumb is to always pay it off as soon as possible. Do that, and you’ll accrue the least amount of interest possible. A pay monthly plan still allows you to spread the cost, but you’re paying extra for the privilege.

    Two top retailers that currently offer pay monthly Xbox One plans are Currys PC World and Very.co.uk where you can buy an Xbox One X with deposit to pay, at an interest rate of 24.9% and 39.9% respectively (APR variable representative). You choose the payment term (months) that suits you and pay off your Xbox One purchase early at no extra cost.

    Currys PC World representative example: Xbox One price £219.00. Pay 36 monthly payments of £8.41. Total amount payable £302.76. Rate of interest 24.9% (variable) 24.9% APR representative

    Xbox One S for just £219.00
    Project CARS 2
    Tekken 7
    Fallout 76

    Xbox One S 1TB console bundled with:

    £219.00

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    • Came into stock on 7th May at 12:26
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    • Came into stock on 7th May at 12:26
    • Went out of stock on 3rd May at 11:25
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    • Deal first found on 1st Feb at 17:33
    • Price decreased from £449.00 to £429.00 on 17th May at 08:56
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    • Price decreased from £449.00 to £429.00 on 17th May at 08:56
    • Came into stock on 17th May at 08:56
    • Went out of stock on 16th May at 20:47
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    • Went out of stock on 15th May at 15:56
    • Deal first found on 26th Sep at 17:54

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    You can also purchase Xbox One consoles on pay monthly finance via Ebay stores (such as Argos and Currys PC World), using PayPal Credit – currently 19.9% APR. You can choose to pay off the Xbox One in as little as 6 months, or take 24 months. The longer the payment period, the more interest you will accrue.

    • Price increased from £189.85 to £199.85 on 13th Jan at 16:46
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    • Price increased from £189.85 to £199.85 on 13th Jan at 16:46
    • Price increased from £179.99 to £189.85 on 4th Jan at 19:00
    • Price decreased from £199.85 to £179.99 on 27th Dec at 13:22
    • Came into stock on 10th Dec at 05:56
    • Went out of stock on 9th Dec at 21:52
    • Deal first found on 7th Oct at 20:33

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    • Price decreased from £369.85 to £359.85 on 14th May at 15:42
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    • Price decreased from £369.85 to £359.85 on 14th May at 15:42
    • Price decreased from £389.99 to £369.85 on 1st May at 17:07
    • Price decreased from £399.85 to £389.99 on 12th Mar at 17:29
    • Came into stock on 12th Mar at 17:29
    • Went out of stock on 8th Mar at 12:39
    • Deal first found on 11th Apr at 11:58

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    Pay weekly Xbox One finance

    When looking to purchase an Xbox One as part of a pay weekly finance plan, bear in mind that the same rule applies: pay as soon as possible. Do this and you’ll accrue the least amount of interest possible. Paying weekly makes it less likely that you’ll miss any instalments as they occur more frequently.

    You have two options. You can buy an Xbox One from Argos and pay for it weekly. On the face of it, what Argos offers you isn’t a pay weekly plan per se, but the online and physical storefront simply allows you to pay instalments whenever you want so can be treated as pay weekly. You’ll need to sign up for an Argos Card and make sure it’s paid off before 12 months – it’s even interest free.

    Your other option for paying weekly for a new Xbox One X is making your purchase at BrightHouse -a second-hand retailer that offers Xbox One X as Pay Monthly or Pay Weekly at a fixed rate of 99.9% APR representative. If preferred, BrightHouse also offers a Pay Fortnightly option.

    BrightHouse representative example: Xbox One price £247.20. Pay 120 weekly payments of £4.10. Total amount payable £492.00. Rate of interest 99.90% (variable) 99.90% APR representative

    Xbox One finance with bad credit history

    A little unknown retailer called Lintronics.uk offers finance deals to almost 100% of the customers who apply for credit. Sounds too good to be true? Well, we can’t comment, as we know very little about this retailer and have only featured them as part of our research for this guide on games console finance. The prices are expensive but if it means you can spread the payment for a new Xbox One with a poor credit history, it might be worth paying them a visit.

    Xbox One X finance

    If you want to buy the very best Xbox One console on finance – the Xbox One X – you will be able to find cheap bundles on 0% interest free credit from the retailers we’ve mentioned above, such as AO.com and GAME. Plenty of other retailers offer Xbox One X finance but on terms that will accrue interest, such as pay monthly or pay weekly deals.

    Here’s the 5 cheapest Xbox One X consoles available to buy on finance from the trusted UK retailers we’ve mentioned above:

    • Price decreased from £369.85 to £359.85 on 14th May at 15:42
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    • Price decreased from £369.85 to £359.85 on 14th May at 15:42
    • Price decreased from £389.99 to £369.85 on 1st May at 17:07
    • Price decreased from £399.85 to £389.99 on 12th Mar at 17:29
    • Came into stock on 12th Mar at 17:29
    • Went out of stock on 8th Mar at 12:39
    • Deal first found on 11th Apr at 11:58

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    • Price decreased from £429.00 to £399.00 on 14th May at 15:48
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    • Price decreased from £429.00 to £399.00 on 14th May at 15:48
    • Price decreased from £439.00 to £429.00 on 9th May at 18:40
    • Price decreased from £449.00 to £439.00 on 1st May at 16:04
    • Price increased from £389.00 to £449.00 on 1st May at 10:01
    • Price decreased from £399.00 to £389.00 on 23rd Apr at 16:30
    • Deal first found on 3rd Sep at 06:42

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    • Deal first found 1 day 2 hours ago
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    • Deal first found 1 day 2 hours ago
    Xbox One X bundled with 5 additional items for just £427.98
    Forza Motorsport 7
    Forza Horizon 4
    Apex Legends Founder's Pack
    Tom Clancy’s The Division
    NOW TV 2 Months Entertainment Pass

    Xbox One X 1TB console bundled with:

    £427.98

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    • Price decreased from £449.99 to £427.98 on 10th May at 00:36
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    • Price decreased from £449.99 to £427.98 on 10th May at 00:36
    • Deal first found on 30th Apr at 01:58
    • Price decreased from £439.00 to £429.00 on 9th May at 18:40
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    • Price decreased from £439.00 to £429.00 on 9th May at 18:40
    • Price decreased from £449.00 to £439.00 on 1st May at 16:04
    • Price increased from £389.00 to £449.00 on 1st May at 10:01
    • Came into stock on 15th Apr at 14:16
    • Price decreased from £439.00 to £389.00 on 12th Apr at 10:33
    • Deal first found on 23rd Jan at 18:47

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    Xbox One S finance

    If you have decided to buy an Xbox One S on finance, you should opt for retailers offering 0% finance if you have a good enough credit history. Several major high street retailers offer interest free Xbox One S finance, including AO.com, Argos and GAME. These three retailers also regularly feature some of the cheapest Xbox One S bundles in the UK, so if you can get finance, buying an Xbox One S from one of these shops is a wise choice.

    If you think your credit status will prevent you from securing interest free finance, you may be able to secure pay monthly Xbox One S finance from either Currys PC World, Littlewoods or Ebay.

    • Price increased from £189.99 to £199.85 on 13th Apr at 11:24
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    • Price increased from £189.99 to £199.85 on 13th Apr at 11:24
    • Price decreased from £199.99 to £189.99 on 26th Jan at 09:17
    • Price increased from £189.99 to £199.99 on 9th Jan at 10:03
    • Price decreased from £199.00 to £189.99 on 19th Dec at 07:41
    • Price decreased from £199.99 to £199.00 on 17th Dec at 19:29
    • Deal first found on 15th Dec at 01:07

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    • Price decreased from £249.99 to £237.98 on 9th May at 00:16
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    • Price decreased from £249.99 to £237.98 on 9th May at 00:16
    • Deal first found on 30th Apr at 01:58
    • Price increased from £189.85 to £199.85 on 13th Jan at 16:46
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    • Price increased from £189.85 to £199.85 on 13th Jan at 16:46
    • Price increased from £179.99 to £189.85 on 4th Jan at 19:00
    • Price decreased from £199.85 to £179.99 on 27th Dec at 13:22
    • Came into stock on 10th Dec at 05:56
    • Went out of stock on 9th Dec at 21:52
    • Deal first found on 7th Oct at 20:33

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    • Price increased from £189.99 to £199.85 on 13th Apr at 11:24
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    • Price increased from £189.99 to £199.85 on 13th Apr at 11:24
    • Price decreased from £199.99 to £189.99 on 28th Jan at 18:36
    • Price increased from £189.99 to £199.99 on 9th Jan at 10:03
    • Price decreased from £199.00 to £189.99 on 19th Dec at 07:41
    • Price decreased from £199.99 to £199.00 on 17th Dec at 19:29
    • Deal first found on 9th Dec at 12:23

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    Xbox One S for just £219.00
    Project CARS 2
    Tekken 7
    Fallout 76

    Xbox One S 1TB console bundled with:

    £219.00

    In Stock

    • Came into stock on 7th May at 12:26
  • Deal history
    • Came into stock on 7th May at 12:26
    • Went out of stock on 3rd May at 11:25
    • Came into stock on 3rd May at 05:15
    • Went out of stock on 2nd May at 23:06
    • Came into stock on 2nd May at 04:29
    • Deal first found on 1st Feb at 17:33

    Today’s cheapest Xbox One deals

    Want a particular game bundled with your new Xbox One purchased on finance? Check out our Xbox One deals page and use the filter to choose which game you want included. Hopefully there will a deal from one the retailers we’ve featured above.

    Xbox Deals