Can you get a gaming PC on finance with no credit check? Can you buy a next-gen rig without interest or fees? Here's what you need to know.
For gamers who want to spread the cost of their next battlestation build or custom prebuilt PC, getting a gaming PC on finance is a great option. With soft credit searches, zero fees and 0% interest rate plans available, buying your dream gaming PC is well within reach. If you're wondering if it's worth getting finance on a gaming PC, then this guide will help guide you through the small print and various options, so you can make an informed decision on your next PC purchase.
Contrary to popular belief, it's not just people with a bad credit history who don't want a credit check. If you are saving money for a deposit because you will soon be buying a house, you will want to keep credit searches to a minimum, preserving your credit history for a mortgage application. Maybe you are hoping to drive a brand new Range Rover off the forecourt and want to ensure you don't affect your credit score with a hard credit check. Whatever the reason, soft credit checks are ideal.
A soft credit check is performed by lenders using credit reference agencies, which will not affect your credit score. Soft credit checks also take place when you check your own credit report, or if a lender checks your report to see if you are eligible for specific products and interest rates.
The lender will take a top-level or superficial view of your financial history so they may pre-approve offers, or provide you with options on what you could potentially be eligible for. These soft credit checks are recorded, but do not leave a visible footprint for other lenders to see. You can see these searches when you check your credit history, however.
For the above reasons, soft credit checks are preferable when purchasing products for lower amounts such as a high-performance monitor, gaming PC or laptop.
There are a few options for soft credit checks with companies such as Klarna, a finance company that allows you to "buy now, pay later", or pay in 3x payments (or more) depending on price and availability.
Hard credit checks are visible to lenders, and affect your credit score each time they are performed. When a hard credit check is performed multiple times in a short space of time, lenders may view this as you being unable to manage your finances. So, it won't look good if you are making an important finance purchase such as a house or car. Even if you were just enquiring to see if you could get finance (and didn't take it), these searches remain. If lenders refuse you credit, this affects your credit score and your ability to get finance from other lenders.
PayPal also offers finance options such as 4 months interest free finance with PayPal Credit, but will perform a hard credit check as part of the eligibility criteria. As such, PayPal Credit are perfect for short term finance, and should be used if you do not mind having credit searches on your history.
If you want to build your own PC, and finance components instead of a pre-built system, this is 100% possible. When you checkout at CCL, for example, you will have the option to spread your payment with either PayPal Credit or Klarna, which will be based on the cart value of the components for your new gaming rig.
Simply choose the components as normal and go to checkout. When you reach the payment options page, select Klarna or PayPal Credit, depending on your finance requirements.
Both Klarna and PayPal Credit offer different interest rates and fee schedules, but it is worth noting that you can avoid interest and fees with certain finance options!
For more information on zero fees, interest rates & fees Klarna finance with CCL Online, click here.
For more information on fees, interest free credit and interest with PayPal Credit finance with CCL Online, click here.
Absolutely! If you can afford to make the payments on time, and you understand the difference between a soft credit check and a hard credit check, then finance can make purchasing your next gaming PC very easy.
With flexible options, you can take delivery of your PC quickly, and pay at a time that suits you. For example, if you're ready for a new rig, but don't get paid until the end of the month - you can choose to pay in 30 days with Klarna. If you need a few months to pay, you can opt for Pay in 3 with Klarna, or 4 months interest free finance with PayPal Credit.
Add your purchase to the cart now and check out your options at the purchase page to find out more.
CCL have made it extremely easy to check whether you can get finance for your new gaming PC. Simply add your purchase to the cart now and check out your options at the purchase page to find out more.