Buy gaming pc in monthly installments? Watch

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lilyobz
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I'm looking to buy a gaming pc but i don't want to it to dent my bank account. (Im poor and on an apprentiship wage lol).

Trying to find some good sites where u can buy gaming pcs and pay for it monthly via debit.

Any suggesting sites/pcs would be greatly appreciated. Would love one where u can customise the pc and then pay.

And any recommendations would be great, mainly getting the pc for wow and skyrim. I not looking for super mega sonic ultra settings, just enough so i can maintain 60fps at med-high graphics. (10-20fps in raids on my current pc )


thanks in advance :confused:
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jameswhughes
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(Original post by lilyobz)
I'm looking to buy a gaming pc but i don't want to it to dent my bank account. (Im poor and on an apprentiship wage lol).

Trying to find some good sites where u can buy gaming pcs and pay for it monthly via debit.

Any suggesting sites/pcs would be greatly appreciated. Would love one where u can customise the pc and then pay.

And any recommendations would be great, mainly getting the pc for wow and skyrim. I not looking for super mega sonic ultra settings, just enough so i can maintain 60fps at med-high graphics. (10-20fps in raids on my current pc )


thanks in advance :confused:
If you want to save money, buying electronics on contract/finance etc. is pretty much always a bad idea and you'll end up paying more than you would had you paid for the whole thing upfront. At least in every example I've seen, what you pay over the contract is more than the original price.
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lilyobz
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(Original post by jameswhughes)
If you want to save money, buying electronics on contract/finance etc. is pretty much always a bad idea and you'll end up paying more than you would had you paid for the whole thing upfront. At least in every example I've seen, what you pay over the contract is more than the original price.
U miss understood me slighty, I dont mind paying more as long as im paying small amounts monthly, just dont have the budget to pay £700 upfront
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TheTechN1304
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(Original post by lilyobz)
U miss understood me slighty, I dont mind paying more as long as im paying small amounts monthly, just dont have the budget to pay £700 upfront
Save up then like most people would do.
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jameswhughes
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(Original post by lilyobz)
U miss understood me slighty, I dont mind paying more as long as im paying small amounts monthly, just dont have the budget to pay £700 upfront
That's a really silly thing to do. If you don't have the money (which is what you seem to be saying) save up then buy it, the difference could be hundreds of pounds.
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lilyobz
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(Original post by jameswhughes)
That's a really silly thing to do. If you don't have the money (which is what you seem to be saying) save up then buy it, the difference could be hundreds of pounds.
Im guessing u save up and buy a house or u get a mortgage? If you don't have any suggestions regarding my questions just leave this thread please. I know the difference and i don't mind it.
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jameswhughes
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(Original post by lilyobz)
Im guessing u save up and buy a house or u get a mortgage? If you don't have any suggestions regarding my questions just leave this thread please. I know the difference and i don't mind it.
Here's an example of how bad buying a computer on finance is, this example is a custom built PC on PC Specialist. The upfront price is £487, the total cost over credit is £763, so you're throwing away £276 (another 60% of the cost of the machine itself) to spread out the payments which is absolutely crazy.

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aliman65
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Just build the computer yourself and buy the components one at a time. I built a gaming PC for £500 two years ago and it hasn't lagged on any game so far. That includes max settings on Skyrim.
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username1494226
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My advice would be simply to wait. Save over a small amount of your per month, something like £50 a month, for about a year and then buy the PC
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Potally_Tissed
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Seriously, save up. Otherwise you're going to get something not especially wonderful for twice what it's worth, and it'll be pretty outdated by the time you've finished paying for it.
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Sam Walters
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Ultimately playing video games is your hobby. You enjoy it. Id spend the money on it.

Heck. Your hobby is cheap as heck. Start chasing 1/4 mile times in cars and that's where it gets expensive. Ive already piled 15k into a car that originally cost me £700.

You want a decent PC. Its a pain to wait. Here is a midway solution.

Get a loan from your bank. Its likely to be a lot less of a percentage than finance from one of these companies.

Look on you tube till you find a PC spec that will satisfy your requirements.

Get your loan.

Go to pc specalist. and spec it up click buy. Sit and wait. then enjoy the spoils.
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VannR
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Buying a PC using a loan or finance:

Pros:

- You get the PC now!
- You don't have to spend a lot of money at once.

Cons:

- You will pay more overall than if you had saved up.

Buying a PC using savings:

Pros:

- You will be able to avoid a better PC than you would have done if you had bought it on finance. What is a £1000 PC now will be £750 in a while. If you wait a while, you will be able to get that £1000 PC for £750, or you can use the £1000 on getting something even better.

Cons:

- You will have to be patient and save up.
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lilyobz
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(Original post by marco14196)
My advice would be simply to wait. Save over a small amount of your per month, something like £50 a month, for about a year and then buy the PC

(Original post by marco14196)
My advice would be simply to wait. Save over a small amount of your per month, something like £50 a month, for about a year and then buy the PC

(Original post by Potally_Tissed)
Seriously, save up. Otherwise you're going to get something not especially wonderful for twice what it's worth, and it'll be pretty outdated by the time you've finished paying for it.

(Original post by Sam Walters)
Ultimately playing video games is your hobby. You enjoy it. Id spend the money on it.

Heck. Your hobby is cheap as heck. Start chasing 1/4 mile times in cars and that's where it gets expensive. Ive already piled 15k into a car that originally cost me £700.

You want a decent PC. Its a pain to wait. Here is a midway solution.

Get a loan from your bank. Its likely to be a lot less of a percentage than finance from one of these companies.

Look on you tube till you find a PC spec that will satisfy your requirements.

Get your loan.

Go to pc specalist. and spec it up click buy. Sit and wait. then enjoy the spoils.

(Original post by VannR)
Buying a PC using a loan or finance:

Pros:

- You get the PC now!
- You don't have to spend a lot of money at once.

Cons:

- You will pay more overall than if you had saved up.

Buying a PC using savings:

Pros:

- You will be able to avoid a better PC than you would have done if you had bought it on finance. What is a £1000 PC now will be £750 in a while. If you wait a while, you will be able to get that £1000 PC for £750, or you can use the £1000 on getting something even better.

Cons:

- You will have to be patient and save up.

(Original post by aliman65)
Just build the computer yourself and buy the components one at a time. I built a gaming PC for £500 two years ago and it hasn't lagged on any game so far. That includes max settings on Skyrim.

(Original post by jameswhughes)
Here's an example of how bad buying a computer on finance is, this example is a custom built PC on PC Specialist. The upfront price is £487, the total cost over credit is £763, so you're throwing away £276 (another 60% of the cost of the machine itself) to spread out the payments which is absolutely crazy.

Name:  Screen Shot 2015-03-28 at 9.52.23 AM.png
Views: 1920
Size:  45.1 KB

(Original post by lilyobz)
Im guessing u save up and buy a house or u get a mortgage? If you don't have any suggestions regarding my questions just leave this thread please. I know the difference and i don't mind it.

(Original post by jameswhughes)
That's a really silly thing to do. If you don't have the money (which is what you seem to be saying) save up then buy it, the difference could be hundreds of pounds.

(Original post by lilyobz)
I'm looking to buy a gaming pc but i don't want to it to dent my bank account. (Im poor and on an apprentiship wage lol).

Trying to find some good sites where u can buy gaming pcs and pay for it monthly via debit.

Any suggesting sites/pcs would be greatly appreciated. Would love one where u can customise the pc and then pay.

And any recommendations would be great, mainly getting the pc for wow and skyrim. I not looking for super mega sonic ultra settings, just enough so i can maintain 60fps at med-high graphics. (10-20fps in raids on my current pc )


thanks in advance :confused:

(Original post by jameswhughes)
If you want to save money, buying electronics on contract/finance etc. is pretty much always a bad idea and you'll end up paying more than you would had you paid for the whole thing upfront. At least in every example I've seen, what you pay over the contract is more than the original price.

(Original post by lilyobz)
U miss understood me slighty, I dont mind paying more as long as im paying small amounts monthly, just dont have the budget to pay £700 upfront

(Original post by TheTechN1304)
Save up then like most people would do.
Update for all those interested: My good buddy is selling me hispc for £600. In which i pay him £100 monthly. Below are the specs:



Minimum: Direct X 9.0c compliant video card with 512MB of RAM
You Have: AMD Radeon R9 200 Series
Video Card Click here for the latest Video Card drivers.
AMD Radeon R9 200 Series
95th percentile
Features: Minimum attributes of your Video Card
Required You Have
Icon Pixel Shader version 3.0 5.0
Icon Vertex Shader version 3.0 5.0
Icon Dedicated Video RAM 512 MB 4.1 GB
CPU CPU
Minimum: Info
You Have: Intel(R) Core(TM) i5-2320 CPU @ 3.00GHz
CPU Click here for the latest CPU drivers.
Intel(R) Core(TM) i5-2320 CPU @ 3.00GHz
84th percentile
CPU Speed CPU SPEED
Minimum: Dual Core 2.0 GHz or equivalent processor
You Have: 3.3 GHz
RAM RAM
Minimum: 2 GB
You Have: 8.1 GB
8.1 GB
94th percentile
OS OS
Minimum: Windows7/Vista/XP PC (32 or 64 bit)
You Have: Microsoft Windows 8 (build 9200), 64-bit
Windows Click here for the latest Windows drivers.
Unfortunately your operating system was not available when this product was released, so it is not OFFICIALLY supported. Please review the publisher's website for more information.
Free Disk Space FREE DISK SPACE
Minimum: 6 GB
You Have: 435.0 GB
Free Disk Space Click here for the latest Free Disk Space drivers.
Sound Card SOUND CARD

Minimum: Yes
You Have: AMD High Definition Audio Device
Sound Card Click here for the latest Sound Card drivers.
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kkboyk
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(Original post by lilyobz)
I'm looking to buy a gaming pc but i don't want to it to dent my bank account. (Im poor and on an apprentiship wage lol).

Trying to find some good sites where u can buy gaming pcs and pay for it monthly via debit.

Any suggesting sites/pcs would be greatly appreciated. Would love one where u can customise the pc and then pay.

And any recommendations would be great, mainly getting the pc for wow and skyrim. I not looking for super mega sonic ultra settings, just enough so i can maintain 60fps at med-high graphics. (10-20fps in raids on my current pc )


thanks in advance :confused:
PCSpecialist: they build you your own PC and you get to choose the spec (takes about 2 and half week to be delivered) and you can pay in monthly installments.
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Sam Walters
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That pc of your mates. Knock 200 quid off the price and it might be fair.

For 70 more you can get one with a cpu that will blow that one into the weeds and have a warranty.
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lilyobz
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(Original post by Sam Walters)
That pc of your mates. Knock 200 quid off the price and it might be fair.

For 70 more you can get one with a cpu that will blow that one into the weeds and have a warranty.
Please elaborate, i genuinely want to knwo more, did have a sneaking suspicion i was being rip off, don't know much about specs, but its also water cooled
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Potally_Tissed
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(Original post by lilyobz)
Please elaborate, i genuinely want to knwo more, did have a sneaking suspicion i was being rip off, don't know much about specs, but its also water cooled
"R9 200 series" is not a card, it's a whole series of cards. A new one would cost somewhere between £100 and £800 new depending on which it is, so just saying the model range really doesn't help identify what you're getting.

i5-2320 is not the current series of processors (5xxx), or the one before that (4xxx), or the one before that (3xxx), but the one before that. It's OK but getting on a bit. Nothing special.

Don't know why he bothered watercooling, seems unnecessary.

8gb RAM is pretty much the bare minimum for a desktop now. Also doesn't say what the speed of it is.

No indication as to the PSU, motherboard, or what sort of hard drive is in there (beyond the capacity of it).

Unless you're getting a pretty decent gold-rated power supply and the 500gb hard drive is an SSD, that PC is definitely not worth £600. You could build something brand new and substantially better for that money.
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Sam Walters
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(Original post by lilyobz)
Please elaborate, i genuinely want to knwo more, did have a sneaking suspicion i was being rip off, don't know much about specs, but its also water cooled
Simply put get a detailed run down on the specs.

But currently hes asking new price for that pc when its worth 2/3 of it at best.
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lilyobz
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(Original post by Potally_Tissed)
"R9 200 series" is not a card, it's a whole series of cards. A new one would cost somewhere between £100 and £800 new depending on which it is, so just saying the model range really doesn't help identify what you're getting.

i5-2320 is not the current series of processors (5xxx), or the one before that (4xxx), or the one before that (3xxx), but the one before that. It's OK but getting on a bit. Nothing special.

Don't know why he bothered watercooling, seems unnecessary.

8gb RAM is pretty much the bare minimum for a desktop now. Also doesn't say what the speed of it is.

No indication as to the PSU, motherboard, or what sort of hard drive is in there (beyond the capacity of it).

Unless you're getting a pretty decent gold-rated power supply and the 500gb hard drive is an SSD, that PC is definitely not worth £600. You could build something brand new and substantially better for that money.

(Original post by Sam Walters)
Simply put get a detailed run down on the specs.

But currently hes asking new price for that pc when its worth 2/3 of it at best.
Heres the full detailed specs.

ase : bitfenix shinobi germen edition
Mobo: z97 Msi atx gamer edition
Cpu: I5 2320 @3.3ghz
8 gb Dell standard ram
Psu: 650w semi modular corsair
Toshiba 1tb laptop hdd
140gb Seagate hdd
Gpu: sapphire R9 280x dual x
Cooler master 120v siedon
Bitfenix fans = 2 140mm and 3 120mm
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Potally_Tissed
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#20
(Original post by lilyobz)
Heres the full detailed specs.

ase : bitfenix shinobi germen edition
Mobo: z97 Msi atx gamer edition
Cpu: I5 2320 @3.3ghz
8 gb Dell standard ram
Psu: 650w semi modular corsair
Toshiba 1tb laptop hdd
140gb Seagate hdd
Gpu: sapphire R9 280x dual x
Cooler master 120v siedon
Bitfenix fans = 2 140mm and 3 120mm
Would cost about £600 ish if you went out and bought all the parts brand new (assuming you could find all of them, can't find anywhere that sells that CPU any more for example). Not worth £600 second hand.
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