£24.99 a month for 12 months 0% Finance PS4 1TB (New Model) + FIFA 16 £299.86 @ Shopto
327°Expired

£24.99 a month for 12 months 0% Finance PS4 1TB (New Model) + FIFA 16 £299.86 @ Shopto

£299.86ShopTo Deals
56
Found 17th Oct 2015
EXAMPLE FINANCE - BASED ON £299.86 CONSOLE PRICE
£24.99
MONTHLY REPAYMENT
• You are borrowing £299.86
• 11 Monthly repayments of £24.99
• Final payment of £24.97
• The APR will be 0%
• Total interest and fees: £0.00
• Total Repayable: £299.86

Different types of bundles available, including FIFA 16 and Uncharted

56 Comments

Zero percent finance has to be a deal!

Heat added

pennyfarthing88

Zero percent finance has to be a deal!Heat added



It is not zero percent if the item is available elsewhere for less, as if you are paying £30 more, then your interest is £30

Aye £300 for a bundle isn't exactly an amazing price.

Aeschylus

It is not zero percent if the item is available elsewhere for less, as if … It is not zero percent if the item is available elsewhere for less, as if you are paying £30 more, then your interest is £30



Yes I get that - so where can you buy this PS4 for less on finance then?

if they do this on an Xbox one that would be brill! I'd prefer a ps4 but everyone I know has a Xbox one.

As said a hundred times before on these deals buy the cheapest going rate for a ps4 on a 0% credit card and pay back that way cold.

pennyfarthing88

Yes I get that - so where can you buy this PS4 for less on finance then? … Yes I get that - so where can you buy this PS4 for less on finance then?



​Get a 0% credit card and buy on that

As far as I know shopto was offering this from the very first day PS4 was released. Nothing new here...

backtothecaves

​Get a 0% credit card and buy on that



And the advantage of doing that is? .....

pennyfarthing88

And the advantage of doing that is? .....


You get 0% finance if you want it and can buy an offer that's less expensive in the first place.

BarmyBulldog

As said a hundred times before on these deals buy the cheapest going rate … As said a hundred times before on these deals buy the cheapest going rate for a ps4 on a 0% credit card and pay back that way cold.



Without getting into a row - assuming this PS4 is well priced? You say ' a hundred times before ' use a zero percent interest credit card - so the advantage over this zero finance deal provided by the OP is what?

Chavtastic deal!

Haven't they done this for a while?

Also still waiting for the comments saying “If you can't afford to buy outright, don't buy at all"

pennyfarthing88

Without getting into a row - assuming this PS4 is well priced? You say ' … Without getting into a row - assuming this PS4 is well priced? You say ' a hundred times before ' use a zero percent interest credit card - so the advantage over this zero finance deal provided by the OP is what?



If you got accepted for a Post Office Matched Credit Card the advantage would be:

a) 0% for 25 months on purchases (so 13 months longer interest free than shopto finance)
b) Possible £25 Quidco http://www.quidco.com/post-office-credit-card/

Always check your eligibility for a credit card before you apply as a credit decline can impact your credit record. The Moneysupermarket pre eligibility tool does a soft search (no impact on credit) and gives likelihood of acceptance
moneysupermarket.com/cre…ASE

Why not just save up for it rather then getting in the finance bubble.

HueKuhn

Why not just save up for it rather then getting in the finance bubble.


I bet you have ordered a coffin even though your not dead yet

Chanchi32

If you got accepted for a Post Office Matched Credit Card the advantage … If you got accepted for a Post Office Matched Credit Card the advantage would be:a) 0% for 25 months on purchases (so 13 months longer interest free than shopto finance)b) Possible £25 Quidco http://www.quidco.com/post-office-credit-card/Always check your eligibility for a credit card before you apply as a credit decline can impact your credit record. The Moneysupermarket pre eligibility tool does a soft search (no impact on credit) and gives likelihood of acceptance https://www.moneysupermarket.com/credit-cards/search/?selectedProductId=CC_POST_MATCHED&goal=CC_PURCHASE



Fair enough Chanci32 - I'm glad somebody who knows what they are talking about took the time to explain the possible advantages

So - take longer to pay using a credit card ( subject to status )

Possible £25 quidco advantage? Hmmmm personally I don't bother with quidco although I'm sure it has its benefits!

the porter

I bet you have ordered a coffin even though your not dead yet



​Nope. Still wait for a hot deal to come up on HUKD lol!!

pennyfarthing88

Fair enough Chanci32 - I'm glad somebody who knows what they are talking … Fair enough Chanci32 - I'm glad somebody who knows what they are talking about took the time to explain the possible advantages :)So - take longer to pay using a credit card ( subject to status ) Possible £25 quidco advantage? Hmmmm personally I don't bother with quidco although I'm sure it has its benefits!



The other benefit as i am sure people tried to point out is that you can get a 0% card, and then get a ps4 with games for less than the price at shopto, therefore have games + spend less = advantage

Lomi

The other benefit as i am sure people tried to point out is that you can … The other benefit as i am sure people tried to point out is that you can get a 0% card, and then get a ps4 with games for less than the price at shopto, therefore have games + spend less = advantage



Post us the deal ( PS4 with games ) that should be useful

Lomi

hereor hereor here evenor maybe hereor just consoleor white on its ownetc



lol - hope I didn't get you busy on google X) I haven't checked your links - I trust you know what your doing

If you really want or need 0% just wait for Very's black Friday deals, or the deals they put up shortly after.

They did a PS4 for this price last year with Little Big Planet 3 on 0% for 12 months, along with many other bundles.

Just use Very, PS4 and fifa 16 for £309 use the £30 off first credit order code bringing it to £279 then the 12 months interest free code and as long as you paid it within the 12 months £279 is all you pay

i got a new c chassis 500gb off shopto about 3 weeks ago it was silent till today when i put a game it it makes really loud vibrating noise and when game has loaded the noise continues but not as loud but loud enough for me to have to turn it off I'm phoning them on monday to sort out a replacement

Great deal dont see what people have problem with the 1TB version is same price and comes with a choice of games batman or choice of 2 games or fifa also get thumb grips free too and first payment isn't till 1st Dec. If applied do you get the console before first payment??

Unclegeorge

Just use Very, PS4 and fifa 16 for £309 use the £30 off first credit o … Just use Very, PS4 and fifa 16 for £309 use the £30 off first credit order code bringing it to £279 then the 12 months interest free code and as long as you paid it within the 12 months £279 is all you pay



Send me the link which includes the 1Tb ps4 for that price?

This is not a deal

I got an idea, how about don't buy until you can afford it. There is something called saving up which people seem to have forgotten how to do. Loan for a car, ok but console FFS... Next you'll be borrowing for the lunchtime sandwich !

DarkBat1

I got an idea, how about don't buy until you can afford it. There is … I got an idea, how about don't buy until you can afford it. There is something called saving up which people seem to have forgotten how to do. Loan for a car, ok but console FFS... Next you'll be borrowing for the lunchtime sandwich !



Nothing wrong with finance if it doesn't cost you anything and you can afford it. I make 99% of my purchases on Credit Card. The majority of these get cleared every month and the big ticket items get spread.

I'd rather have my savings working for me rather than just spend them, that would just be stupid.

£249.99 really isn't that hard to save up. Finance should be used only when really necessary.

this is not a deal..

g8spur

Nothing wrong with finance if it doesn't cost you anything and you can … Nothing wrong with finance if it doesn't cost you anything and you can afford it. I make 99% of my purchases on Credit Card. The majority of these get cleared every month and the big ticket items get spread. I'd rather have my savings working for me rather than just spend them, that would just be stupid.



Have to agree I have a Amex and every thing goes on that as it earns cash back then cleared every month. Credit for credit sake is stupid but not if it's done sensibly

HueKuhn

​Nope. Still wait for a hot deal to come up on HUKD lol!!


hotukdeals.com/dea…564

theres nothing wrong with 0% finance, the money is better in your bank earning interest than in theirs

HueKuhn

Why not just save up for it rather then getting in the finance bubble.



credit cards give you a step up the ladder when applying for a mortgage, if you've had no credit in the past you'll find it very hard to be accepted.

it's always worthwile to have a credit card aslong as you pay it off in full straightaway even if you only use it to do the weekly food shop, the added protection for online purchases is another bonus.

Aslong as you use it right and not just so the wife can have another £400 pair of shoes every week just spend what you can afford , never spend more than you can afford to pay back.

I used to be the never get in debt type too , buying cars outright in cash, mobile phones etc paying in cash meant i didn't have the protection should things go tits up.

now i part pay with cash/debit card and spend a £100 of the balance on the card to get the protection.

If you blow the credit on stuff you wouldn't usually buy then you don't need a credit card
Edited by: "zombrex" 18th Oct 2015

As others have said, getting a 0% credit card is a much more viable option. By purchasing this on 0% finance you're in essence getting credit anyway in much the same way you would do if you have a credit card.

However with a credit card you can get 0% finance - probably for longer too and also get the PS4 cheaper.

BUT BE WARNED - Once you have paid for your PS4 destroy the credit card. Sometimes a mini splurge on things because it says "you have £4,000 to spend" can take years to pay off if you're not careful.

Credit cards are the work of the devil if you don't know how to pay them off and can make you a slave to the wage.

However if you do know how to work them then it's all fine.

JamesClark1991

£249.99 really isn't that hard to save up. Finance should be used only … £249.99 really isn't that hard to save up. Finance should be used only when really necessary.



maybe for a minimum wage earning family with several kids, this might be the best option for them to give the kids something nice for christmas. not everyone is as lucky as you seem to be.

g8spur

Nothing wrong with finance if it doesn't cost you anything and you can … Nothing wrong with finance if it doesn't cost you anything and you can afford it. I make 99% of my purchases on Credit Card. The majority of these get cleared every month and the big ticket items get spread. I'd rather have my savings working for me rather than just spend them, that would just be stupid.



Please, savings work for you? Let me know when they are actually decent rates before they do the 'work' for you. You're telling me you'd want the pennies from 'saving' £300 and using the credit card money... haha come on.

DarkBat1

Please, savings work for you? Let me know when they are actually decent … Please, savings work for you? Let me know when they are actually decent rates before they do the 'work' for you. You're telling me you'd want the pennies from 'saving' £300 and using the credit card money... haha come on.



Not on its own no but if I adopted this philosophy for everything I wouldn't have any savings at all! £300 off my mortgage, in my daughter's account or in a rainy day fund is much better for me than in Shopto's coffers.
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