Gaming PC Financing & Monthly Payments
Play Now, Pay Later—finance your gaming PC with monthly payments using trusted providers at checkout. Compare options, see how approval works, and choose the plan that fits your budget.
How It Works
Finance your gaming PC in minutes at checkout. Choose monthly payments, get a quick decision, and place your order.
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1Choose your gaming PC or laptop Add your system to cart and click Checkout.
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2Select Monthly Payments / Financing Pick a financing or pay-over-time option during checkout.
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3Pick a provider Choose Affirm, PayTomorrow, or Katapult based on your needs.
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4Complete approval Approval typically takes minutes (provider rules vary).
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5Place your order Once approved and completed, we begin processing your build.
Compare Financing Options
Quick guidance to pick the right path. Review details on each provider page, then choose at checkout.
Affirm
Best for: transparent monthly payments and flexible terms.
What to expect: clear payment schedule and terms shown during checkout.
PayTomorrow
Best for: shoppers looking for higher approval flexibility.
What to expect: term options vary—approval and terms shown during application.
Katapult
Best for: lease-to-own style payment options (no traditional credit required).
What to expect: lease terms and buyout options vary by provider and order.
Need lease-to-own options? We offer programs through Progressive Leasing and Katapult. Terms, buyout options, and availability vary by provider.
Which Option Is Best for You?
- Best overall financing: Affirm
- No credit needed: Katapult and Progressive Leasing offer lease-to-own options through a lease agreement designed for customers rebuilding credit history
- Flexible monthly financing: PayPal Pay Monthly, Shop Pay Installments
- Simple Pay-in-4: Shop Pay, Zip, PayPal Pay Later
- Highest approval: PayTomorrow
Pay in 4 — No Interest Options
Split your purchase into four easy, interest-free payments using Shop Pay, Zip, or PayPal Pay Later.
Progressive Leasing
No credit needed weekly lease-to-own options under a lease purchase agreement.
Learn More →Compare Your Options
Compare financing and lease-to-own options for gaming PCs, desktop computer systems, and laptops computers. Availability and approval are subject to credit approval by each provider.
| Provider | Credit Needed | Term Length | Best For |
|---|---|---|---|
| Affirm | Good – Excellent | 3–36 months | Lowest APR |
| PayTomorrow | All credit types | 12–48 months | Highest approval rate |
| PayPal Pay Monthly | Good credit | 6–24 months | PayPal users wanting financing |
| Shop Pay Installments | Good – Excellent | 3–12 months | Fast checkout financing |
| Katapult | No credit | Lease-to-own | No credit or rebuilding |
| Progressive Leasing | No credit | Lease-to-own | Weekly payments |
| PAY-IN-4 OPTIONS | |||
| Shop Pay | All credit | 4 payments | Fastest checkout |
| Zip | All credit | 4 installments | No hard credit check |
| PayPal Pay Later | All credit | 4 payments | Best for PayPal users |
| Affirm (Eligible Carts) | Good credit | 4 payments | No interest when available |
Financing & Lease-to-Own FAQ
How does gaming PC financing work at checkout?
Add your PC or laptop to cart and proceed to checkout. Select a monthly payment / financing option, choose a provider (such as Affirm, PayTomorrow, or Katapult), complete approval, then place your order. After the order is completed, we begin processing based on current lead times.
Will applying for financing hurt my credit score?
Provider rules vary. Many applications start with a soft check, and if you accept approved terms, some providers may perform a hard inquiry. Review the provider’s terms during the application for the most accurate details.
When does my build start after I’m approved?
Once your order is successfully placed and approved at checkout, we begin processing your build in our production queue based on current lead times and parts availability.
When is my first payment due?
Pay-in-4 plans typically start at checkout. Monthly financing and lease-to-own payment schedules vary by provider and the plan you select. Your exact payment schedule will be shown before you finalize the agreement.
Do I own the PC with lease-to-own programs?
Lease-to-own programs typically include an ownership path at the end of the lease term, and many offer early purchase options. Terms and buyout details vary by provider and will be disclosed during the application process.
Does PayPal offer financing?
Yes — PayPal may offer Pay Monthly (APR financing) and Pay-in-4 (often interest-free) options depending on eligibility and cart total. Available options will appear during checkout.
Which financing option should I pick?
A quick rule of thumb: Affirm is great for transparent monthly financing, PayTomorrow is often a strong option for approval flexibility, and Katapult is designed for lease-to-own style plans. The best choice depends on your terms and what you’re approved for at checkout.
What do customers receive when using financing or lease-to-own?
You’ll receive a clear payment schedule, disclosed financing or lease terms, and agreement details based on the provider you select. You’ll see the full terms before you finalize your checkout.
Where to shop
Prefer the best value? Shop gaming PCs on sale in Closeout Inventory.
Understanding Lease-to-Own Financing
Not sure how lease-to-own really works? Here's what to know before choosing Katapult, Progressive, or any lease-to-own provider so you can pick the right path to your next gaming PC.
- Lease-to-own isn't traditional financing — the structure and payments work differently.
- Many LTO providers approve customers with limited or rebuilding credit.
- Lease-to-own offers a flexible way to get a high-performance PC without paying upfront.
- It’s important to understand ownership terms, payment schedules, and early buyout options.
Financing & Lease-to-Own Disclosures
All financing and lease-to-own (“LTO”) offers are provided by third-party providers and are subject to their individual terms, conditions, approval criteria, and privacy policies. Approval amounts, payment schedules, interest rates, and fees vary by provider and are not determined by XOTIC PC.
Affirm, PayTomorrow, and PayPal Pay Monthly are traditional financing products offered by their respective licensed lending partners. Not all applicants will qualify. A soft credit inquiry may be performed during pre-qualification and will not affect your credit score. If an offer is accepted, a hard credit inquiry may be conducted which could impact your credit score.
Shop Pay Installments may include both interest-free Pay-in-4 plans and longer-term financing options. Eligibility and terms are determined by Affirm or the designated lending partner at checkout.
Zip and PayPal Pay Later Pay-in-4 programs divide your purchase into four interest-free payments. Eligibility criteria vary and approval is not guaranteed. Late fees may apply depending on your state.
Katapult and Progressive Leasing offer lease-to-own transactions, not credit. The initial payment, total cost of ownership, early buyout options, and lease terms vary. Ownership is obtained only after all required lease payments or early purchase amounts are satisfied. Not available in all states.
XOTIC PC does not make lending decisions, does not control approval outcomes, and does not have access to your financing or lease application information. For questions about your application, payment schedule, interest, fees, or buyout terms, please contact the financing provider directly.
By selecting a financing or LTO option at checkout, you acknowledge that you have reviewed and agreed to the provider’s full terms and disclosures.
