Buy a Gaming PC on Finance — Pay Monthly Options
You shouldn't have to compromise on your build because of upfront cost. We offer three flexible ways to spread the cost of your custom gaming PC — including a 0% interest option with Shop Pay Installments. All payment plans are available at checkout with no lengthy application forms.
Shop Pay Installments — 0% APR Available
Shop Pay Installments is our built-in "buy now, pay later" option, powered by Shopify and available to all customers at checkout. No account needed — just select Shop Pay at checkout and choose your plan.
- 3 monthly payments at 0% APR — Split your order into 3 equal payments, interest-free. The first payment is taken at checkout; the remaining two are taken automatically every 30 days.
- 3–12 monthly payments at 10–36% APR (representative) — For longer terms, spread the cost over up to 12 months. Representative APR varies depending on order value and your credit profile. A soft credit check is performed — this does not affect your credit score.
Example — 0% option: A £1,500 gaming PC split into 3 payments = £500/month, 0% APR, no extra cost.
Example — 12-month option: A £1,500 PC over 12 months at 20% APR representative = approx. £138/month (total cost approx. £1,658).
Shop Pay Installments is provided by Affirm. Representative example: 20% APR. Eligibility subject to status. UK residents only.
Klarna — Pay in 3 or Pay in 30 Days
Klarna is available at checkout as a payment option. It's free to use and takes seconds to apply. Klarna offers two options for UK customers:
- Pay in 3 — Split your order into 3 equal interest-free instalments. First payment at checkout, then every 30 days. 0% interest. Available on orders of eligible value.
- Pay in 30 days — Receive your PC now and pay the full amount 30 days later. No interest, no fees — as long as you pay on time. Ideal if you want to try before you pay.
Klarna performs a soft credit check that does not affect your credit score. Late payment fees may apply if payments are missed. Klarna Pay in 3 and Pay in 30 are unregulated credit agreements — borrowing more than you can afford can be harmful. 18+, subject to status. T&Cs apply. Visit klarna.com/uk for full terms.
Clearpay — Pay in 4 Instalments
Clearpay lets you split your order into 4 equal interest-free instalments, taken automatically every 2 weeks. Available at checkout for UK customers — no lengthy application, no interest.
- Pay in 4 — Split your order into 4 equal payments. First instalment taken at checkout, then every 2 weeks automatically. 0% interest on all payments.
- Instant decision — No hard credit check. Decision made at checkout in seconds.
- Available on eligible orders — minimum and maximum order values apply. See Clearpay for current limits.
Example — 4-instalment option: A £1,500 gaming PC split into 4 payments = £375 every 2 weeks, 0% interest, no extra cost.
Clearpay is provided by Clearpay Finance Ltd. Late payment fees may apply if payments are missed — see clearpay.com/en-GB for full terms. 18+, UK residents only. Use responsibly — missing payments may affect your ability to use Clearpay in future.
PayPal Pay Later — Flexible and Familiar
If you already have a PayPal account, you can use PayPal Pay Later at checkout. PayPal offers two options for UK customers:
- Pay in 3 — Split your order into 3 equal interest-free instalments. First payment at checkout, the next two every 30 days. 0% interest.
- PayPal Credit — A revolving credit line linked to your PayPal account. Eligible purchases of £99 or more may receive 0% interest for 4 months. After the promotional period, standard interest rates apply. Subject to eligibility and PayPal Credit terms.
PayPal Pay Later is available at checkout — simply choose PayPal as your payment method and select your preferred option. Subject to status, UK residents only. PayPal Credit is provided by PayPal (Europe) S.à r.l. et Cie, S.C.A. Representative example available on the PayPal website.
Gaming PC Monthly Payment Examples
Here's how much you'd pay each month using our 0% interest option (3 instalments with Shop Pay or Klarna):
| PC Budget | Monthly (0%, 3 months) | Monthly (12 months) |
|---|---|---|
| Under £1,500 (entry-level) | ~£500/month | ~£138/month |
| £1,500–£2,000 (mid-range) | ~£583/month | ~£165/month |
| £2,000–£2,500 (high-end) | ~£750/month | ~£207/month |
| £2,500+ (enthusiast) | ~£833/month | ~£230/month |
0% APR examples use 3 equal monthly instalments (Shop Pay or Klarna Pay in 3). 12-month estimates use representative 20% APR. Actual monthly payments depend on order total and provider terms. Subject to eligibility.
Frequently Asked Questions
Does applying for finance affect my credit score?
Shop Pay Installments, Klarna, and Clearpay all perform a soft credit check only, which does not affect your credit score. PayPal Pay in 3 also uses a soft check. PayPal Credit may involve a hard credit check during application.
Can I use finance on any gaming PC?
Yes — all finance options are available on any order in our store. Minimum order values may apply depending on the provider (typically £30–£99). There is no maximum set by us.
How do I choose finance at checkout?
All options are presented at the checkout stage. For Shop Pay Installments, select Shop Pay and then choose your instalment plan. For Klarna or PayPal, select those as your payment method and follow the on-screen prompts.
Will my PC still be built and shipped the same way?
Yes — finance has no impact on your build, delivery, or warranty. Your PC is still hand-assembled, stress-tested, and shipped free to your door with our full 3-year warranty regardless of how you pay.
What if I want to return my PC?
Our standard warranty and return policy applies regardless of payment method. If you return your order, refunds are processed back through the original payment provider, who will handle any instalment adjustments.
Can I get a gaming PC on monthly payments?
Yes — we offer multiple buy now, pay later options that let you spread the cost of your custom gaming PC into monthly payments. Shop Pay Installments and Klarna Pay in 3 both offer 0% interest on 3 monthly payments. For longer terms, Shop Pay Installments allows up to 12 monthly payments (interest may apply). All options are available directly at checkout — no separate application needed.
How much is a gaming PC per month?
It depends on your build and which payment plan you choose. As a guide: a £1,500 entry-level gaming PC works out at around £500/month over 3 months at 0% APR with Shop Pay or Klarna. A mid-range £2,000 build is around £667/month. If you want to spread over 12 months, a £1,500 PC is approximately £138/month (representative APR applies for terms over 3 months). Use the examples table above for a full breakdown.
Can I buy a gaming PC on credit?
Yes — PayPal Credit lets you buy a gaming PC using a revolving credit line linked to your PayPal account. Eligible orders of £99 or more may receive a 0% promotional period for 4 months. After that, standard interest rates apply. Alternatively, Klarna and Shop Pay Installments offer interest-free plans for up to 3 months. All options use a soft credit check at checkout — they do not affect your credit score.
Browse all gaming PCs and choose your payment option at checkout →
Questions about financing? Contact us — we're happy to walk you through the options before you order.