The Best Options to Pay for Your Dream Gaming PC

February 28, 2024

Do you dream about getting a new PC for gaming, but when you look at the price tag that dream seems way too far out of reach? It’s true that gaming PCs are a big-ticket item and paying for one can be difficult. The good news is that you can get that gaming computer today even if you don’t have all that cash, because you can finance your purchase and pay for it slowly over time. Here are some of the most common ways people finance a gaming PC purchase.

Credit Card

If you have a credit card, you can consider using it to finance the purchase of your gaming PC. However, it’s important to think about the long-term costs, especially if you have a credit card with a high interest rate. The average interest rate for a new credit card is close to 18% right now (existing cards are around 15%). Using a credit card with this interest rate means you could actually end up paying a lot more total for your purchase by the time you pay it off.

Where most people get in trouble with credit cards is that you’re only required to pay a minimum payment each month, which is usually monthly interest plus 1% of your total balance. If you only made the minimum payment on a $2,000 gaming PC purchase with 18% interest, it would take 15 years to pay it off and cost you more than double with $2,423 in interest.

You also need a credit card with at least $2,000 in available credit, so it’s definitely not the best choice for everyone.

Affirm Payments

Xidax offers customers the option to finance your purchase and pay over time with Affirm. It’s essentially a consumer loan financing company, and they offer simple approval for credit to fund large purchases. The company partners with thousands of retailers, and offers several benefits when you choose to finance your purchase:

  • No hidden fees
  • Fixed monthly payments
  • Simple, straightforward payment options
  • Financing for up to 12 months
  • Easy-to-understand interest rates
  • No prepayment penalties
  • No late fees, even if your payments are late

You will need to have good credit to get approved for an Affirm loan, and you must be at least 18 years old and a citizen or permanent resident in the U.S. You’ll get approval in real time and while they will do a soft check on your credit, it won’t affect your credit score.

Progressive Lease Purchase

Another option available to Xidax customers is Progressive Lease Purchase. This is a no-credit lease-to-own option, so even if you have bad credit or you don’t have much credit history, you can still get approved. This lease-to-own option allows anyone to afford larger purchases. You can also get flexible payment terms scheduled around your paydays, and automatic withdrawals so you never forget to pay.

Start shopping at Xidax today and see how easy it is to get instant approval for Affirm or Progressive Leasing Purchase through our website.

No Credit Needed: Progressive Leasing obtains information from credit bureaus. Not all applicants are approved.

The advertised service is lease-to-own or a rental- or lease- purchase agreement provided by Prog Leasing, LLC, or its affiliates. Acquiring ownership by leasing costs more than the retailer’s cash price. Leasing available on select items at participating locations only. Not available in MN, NJ, VT, WI, WY.

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