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PS4 £348.98 - available on finance interest free £12.06 @ Shopto

lance2daylance2day

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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1
    Kais
    Except that it's not interest free. Making the whole idea pointless.
    BubaMan
    Kais
    Except that it's not interest free. Making the whole idea pointless.
    haha - no, he meant without any interest from HUKD'ers
    COLD!
    pete1993
    The cheapest finance option, including the interest, comes to £380.93.

    That's £32 over RRP. :|
    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.
    thomasdawes
    Finance is not available on xbox one or ps4 yet.
    spicy_gal
    A loan to buy a console?? Crazy. If you cant afford it outright then dont have it. Hardly an essential item
    sharpedges12
    He waited 3 years to post this shocker.
    davidleedavenport
    Ha ha ha ha. That is all.
    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
    supasta
    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.
    Enchante
    I hardly think a house I'd a luxury item. A car, well depends on the situation.
    s4ndh4r
    Heat for his courage
    venomandcarnageuk
    better deal at game where you get loyalty points that beat this value
    PAUL7331
    Ice ice baby!
    Beano007
    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.
    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
    supasta
    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
    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
    supasta
    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.
    dodgymix
    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

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