PS4 £348.98 - available on finance interest free £12.06 @ Shopto - HotUKDeals
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Great opportunity to get the PS4 (or anything from the store) interest free for those like me who can't afford the whole cost in one payment. Certainly worth having a look if you can qualify for the finance option!
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lance2day Avatar
3y, 2m agoFound 3 years, 2 months ago
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#1
Except that it's not interest free. Making the whole idea pointless.
3 Likes #2
Kais
Except that it's not interest free. Making the whole idea pointless.
haha - no, he meant without any interest from HUKD'ers
COLD!
#3
The cheapest finance option, including the interest, comes to £380.93.

That's £32 over RRP. :|
5 Likes #4
If you can't buy a luxury item like this outright then don't buy it. If you can't save the cash and buy it then you can't afford it.
#5
Finance is not available on xbox one or ps4 yet.
#6
A loan to buy a console?? Crazy. If you cant afford it outright then dont have it. Hardly an essential item
5 Likes #7
He waited 3 years to post this shocker.
#8
Ha ha ha ha. That is all.
#9
supasta
If you can't buy a luxury item like this outright then don't buy it. If you can't save the cash and buy it then you can't afford it.


Like a house then or a car??? Why not pay something off over time???

Why not pay a monthly charge for something that has a long life

People need to stop listening to Martin Lewis and just be sensible
1 Like #10
dodgymix
supasta
If you can't buy a luxury item like this outright then don't buy it. If you can't save the cash and buy it then you can't afford it.

Like a house then or a car??? Why not pay something off over time???

Why not pay a monthly charge for something that has a long life

People need to stop listening to Martin Lewis and just be sensible

There is a big difference between a house which costs hundred of thousands and an item which is less than £400. If you can't save the cash for £348 then you not in a financial state be taking out finance and probably already have x amount of loans due to the same financial sense that made you purchase a console on loan.
2 Likes #11
I hardly think a house I'd a luxury item. A car, well depends on the situation.
#12
Heat for his courage
#13
better deal at game where you get loyalty points that beat this value
#14
Ice ice baby!
#15
Not bad if it wasn't for the interest. I prefer to pay things up too as I have a tendency to blow my disposable income on crap, if I pay something up then its less getting spent on crap.
#16
If something is going to last you at least 2 years why not pay £15 a month, Personally I wouldnt take it if it had interest incurred but if it was interest free i'd take the £15 a month, wouldnt notice it coming out my bank and could keep money for somat else.

Cars and houses are luxury items

Britain has the mentality that "their home is their castle", other countries (France / Italy etc) people are happy to rent.
Property prices shot up in the 2000s because everyone thinks its good to own a house

Clearly not if your in negative equity

Same with a car, you dont need one, public transport etc etc, you chose one as its more convenient
#17
dodgymix
If something is going to last you at least 2 years why not pay £15 a month, Personally I wouldnt take it if it had interest incurred but if it was interest free i'd take the £15 a month, wouldnt notice it coming out my bank and could keep money for somat else.

Cars and houses are luxury items

Britain has the mentality that "their home is their castle", other countries (France / Italy etc) people are happy to rent.
Property prices shot up in the 2000s because everyone thinks its good to own a house

Clearly not if your in negative equity

Same with a car, you dont need one, public transport etc etc, you chose one as its more convenient



I don't agree a house is a luxury item or a car in certain circumstances (what if your job involves frequent travel to clients, like sales), though put that aside.

You missing the point, a person that can't afford £348 by saving or paying it from his monthly/weekly pay should not be concerned about buying a PS4 as they can't afford it. They obviously don't make much money, so an additional £15 per month will be a hit on their monthly expenses (and what if they miss a few payments?).

The sad truth of the matter is that people that are either in a lot of debt already or on Benefits will be jumping at this deal.



Edited By: supasta on Jun 21, 2013 13:32
#18
supasta
[quote=dodgymix]The sad truth of the matter is that people that are either in a lot of debt already or on Benefits will be jumping at this deal.

they probably will but it doesnt mean its a bad idea from someone with reasonable surplus income after bills

£400 is not an insignificant amount for most people.

Businesses depreciate an asset over its perceived life so no reason why someone who runs a tight ship cant.

These days there arent that many peeps with £400 disposable income per month after their bills so to spread over 2 years makes sense

i'd rather have £400 more in my savings and pay £15 per month.

I'm good with money



Personal I buy everything on credit cards and i've not paid a penny interest in 12 years
if you buy at the right time of month you get 60 days so 2 wages will cover just about anything
#19
dodgymix
supasta
[quote=dodgymix]The sad truth of the matter is that people that are either in a lot of debt already or on Benefits will be jumping at this deal.

they probably will but it doesnt mean its a bad idea from someone with reasonable surplus income after bills

£400 is not an insignificant amount for most people.

Businesses depreciate an asset over its perceived life so no reason why someone who runs a tight ship cant.

These days there arent that many peeps with £400 disposable income per month after their bills so to spread over 2 years makes sense

i'd rather have £400 more in my savings and pay £15 per month.

I'm good with money



Personal I buy everything on credit cards and i've not paid a penny interest in 12 years
if you buy at the right time of month you get 60 days so 2 wages will cover just about anything

Sorry but you don't sound like someone who is good with money. You sound like a person living beyond their means and doesn't think twice about putting another debt against their name.

You live on the assumption that you always will have a steady income.

If you can't afford £340 even by saving for months then you have bigger financial problems than you think.
#20
supasta
dodgymix
supasta
[quote=dodgymix]The sad truth of the matter is that people
[quote=supasta][quote=dodgymix] [quote=supasta] [quote=dodgymix]The sad truth of the matter is that people that are either in a lot of debt already or on Benefits will be jumping at this deal.

they probably will but it doesnt mean its a bad idea from someone with reasonable surplus income after bills

£400 is not an insignificant amount for most people.

Businesses depreciate an asset over its perceived life so no reason why someone who runs a tight ship cant.

These days there arent that many peeps with £400 disposable income per month after their bills so to spread over 2 years makes sense

i'd rather have £400 more in my savings and pay £15 per month.

I'm good with money



Personal I buy everything on credit cards and i've not paid a penny interest in 12 years
if you buy at the right time of month you get 60 days so 2 wages will cover just about anything

Sorry but you don't sound like someone who is good with money. You sound like a person living beyond their means and doesn't think twice about putting another debt against their name.

You live on the assumption that you always will have a steady income.

If you can't afford £340 even by saving for months then you have bigger financial problems than you think.

You believe what you want to believe

My only point is credit isn't a bad thing if there is no other costs involved


A gamer knows they are going to play it for the next 3 or 4 years
So if they had a choice of £15 a month for 2 years or £360 upfront why would you




Edited By: dodgymix on Jun 21, 2013 21:16
#21
supasta
If you can't buy a luxury item like this outright then don't buy it. If you can't save the cash and buy it then you can't afford it.

GET A LIFE
#22
dodgymix
supasta
If you can't buy a luxury item like this outright then don't buy it. If you can't save the cash and buy it then you can't afford it.

Like a house then or a car??? Why not pay something off over time???

Why not pay a monthly charge for something that has a long life

People need to stop listening to Martin Lewis and just be sensible

martin lewis needs to stop ripping hduk members deals off proclaiming them to be HIS top tips on tv each week
#23
supasta
If you can't buy a luxury item like this outright then don't buy it. If you can't save the cash and buy it then you can't afford it.

how are you going to buy a house then? ****
#24
get it from sony direct 12 month interest free £27 a month
#25
whats with the hate towards credit lol

you don't need to OWN a house to live so yes it is a luxury smart a88

iPhones cost more than a console and pretty much everyone has them on credit so whats the difference, and please don't say that an

iPhone isn't a luxury lol or do, i could do with laugh.
#26
I really do find it funny how some people can comment on other people financial situation. Just because some people go for pay monthly plans why the hell would that mean they are all ready in debt????
I have the money to money it out right but why would I given the opportunity to pay a mere £15 a month which I wont miss but would notice £400 from my account.
#27
@ supasta - I could pay for the ps4 outright in one payment but if the £350 is interest free spread across 24 monthly payments then after 24 months a total of £350 is paid, meanwhile the £350 could be kept in my savings account with the rest of my cash earning a higher rate of interest minus the monthly payments that would be deducted, after the 24 months I would then have a ps4 plus the interest that would of accrued during that period! Granted it wouldn't be a lot of money but as long as no payments were missed/ or any charges occurred it would be more than if if paid for the ps3 outright! Now is it all people that can't afford that take out finance? Or is that just your option! I'd say that was good with money! But I'm sure u'l disagree! ;)
#28
Supasta, Why have you come to this finance deal comment section? To put down people less fortunate than yourself? Finance and credit exist for a reason. People like you who assume someone else's financial position have a narrow outlook on life. Oh look that's my assumption of you. So you're telling me that everything in your house is brought outright? You've never needed a loan or credit for anything? You Ever had to pay an unexpected event like a funeral for example and still pay all other monthly outgoings? If so, then it sounds like you were born with a golden spoon in your ass. Oh look I made it in life, everyone is below me and therefore I'm always right because I disagree with finance and credit.

Edited By: MikeT on Oct 10, 2014 11:45
#29
I don't understand what is going on here. Anyone can do finance if they want. It doesn't always mean they can't afford it. High paid executives get cars on finance. I bought a drum kit on 9 months finance. I buy things on credit card and argos card. I always get them back to £0 in time and am never in debt where it causes me problems. I could afford to buy a PS4 outright if I wanted to. It might mean not doing something for a couple of weeks but I choose to enjoy myself with not worrying that I can't go out or see friends because I just spent £400 on a PS4. SO I am going to spread my cost so i can still do other things at the same time. You never know what might crop up that you might need to pay for unexpectedly.I have a car that will need a service soon and perhaps some work done. I still want to have a PS4. I can do both with no worries if I manage the costs over time. I'm happy. The car will be done. And I am not worrying I might not have enough money to enjoy myself occasionally. If you have a good head on you then it is fine.
suspended#30
I don't think people need to be arguing over different opinions, if finance suits you then go for it and if you can afford to pay full price upfront then good on you. Don't think you should judge just get on with what suits you.
#31
So funny all of u judging others way of living this is why war is starting judging thinking you are better than each other christ people wake up

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