Play Now. Pay Later.
Flexible financing and lease-to-own options designed to make owning a high-performance XOTIC PC easier than ever.
Which Option Is Best for You?
- Best overall financing: Affirm
- No credit needed: Katapult, Progressive Leasing
- 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.
Compare Your Options
| 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
Will applying for financing hurt my credit score?
Soft checks are common. If approved and accepted, some lenders perform a hard inquiry.
Does PayPal offer financing?
Yes — Pay Monthly (APR) and Pay-in-4 (zero-interest) are available at checkout.
When is my first payment due?
Pay-in-4 starts at checkout. Financing and lease-to-own vary by provider.
Do I own the PC with lease-to-own programs?
Yes — Katapult and Progressive include end-of-term ownership or early buyout options.
Which financing option should I pick?
Affirm: lowest APR. PayTomorrow: highest approval rate. PayPal: PayPal users. Shop Pay: fast checkout & optional financing.
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.
