 | Interest charges: 14.82 %, p.a. eff. Duration: 1 - 3 monthly installments Order value: min. 100 € - max. 3.000 € Payment pause: not possible | approx. €95 per month (with 6 months term) | many PS5 drops in the recommended stores | (1) Check credit availability (2) PS5 Check availability Alternative store |
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The PlayStation 5 is the latest and most powerful gaming console from Sony. The high-end console has been available since November 2020 available. In the process, the PS5 offers stunning graphics and fast loading times for an unparalleled gaming experience. But for many consumers, the question arises: How can I afford this new console? One possibility is to Buy PS5 in installments.
Because the PS5 is also one of the most expensive console models on the market. Therefore, we will. In this article look at where to get the Buy PS5 in installments can and what options are available for this. This article is thus about the Installment purchase of PS 5 despite negative Schufa, the Installment purchase of PS5 without Klarna as well as the conditions of the PS5 installment purchase at the most popular stores. These include Amazon, MediaMarkt and O₂.
All providers where you can buy the PS5 on installments
What you can learn here
- All providers where you can buy the PS5 on installments
- Buy PS5 on installments despite SCHUFA
- Buy PS5 in installments without Klarna
- PS5 installment purchase at O₂
- PS5 installment purchase at Otto
- PS5 installment purchase at Media Markt
- PS5 installment at Amazon
- Why is the PS5 so expensive?
- Where to buy a PS5 with 0 % financing?
- Buy PS5 on installments in Austria
- The expensive PS5 console becomes affordable with an installment purchase
- But an installment purchase of the PS5 also has disadvantages
- Advantages and disadvantages of buying a PS5 on installments
- Alternative to installment purchase: credit
- Buy PS5 on installments: Conclusion
There are a few different ways to buy the PS5 on installments. One option is to buy it directly from a retailer or online store on installments. But there is also the possibility to use a Installment loan with a bank or another financial service provider to pay for the PS5 in installments.
If you buy the PS5 at a Buy online store on installments sometimes a bank or a provider like Klarna will interpose anyway. In any case, this will involve a credit check have to go through. This is also for your safety, as it checks that you are able to pay the installments.
| Store | conditions | Installment purchase from | Installment purchase despite Schufa? | Installment purchase without Klarna? | Monthly rate with 24 months term | PS5 Drops Availability | Check availability and price |
|---|---|---|---|---|---|---|---|
| Alternate | Interest charges: 9.99 % p.a. eff. Duration: 3,6,12 or 24 monthly installments Order value: min. 99 € to max. 5.000 € Payment pause: not possible | Provider: Paypal | Installment purchase despite Schufa? no, PayPal uses SCHUFA data for risk assessment and rejects customers with negative Schufa. | Installment purchase without Klarna? Yes, the settlement takes place via Paypal | €34,39 per month (for a 24-month term) | 🔥 🔥 🔥 🔥 🔥 many PS5 drops | PS5 Check availability Advertising: These are affiliate links through which I may receive compensation if you make a purchase. |
| Cyberport | Interest charges: 0 % up to 24 months; 8.49 % p.a. eff. up to 60 months Duration: 6 - 60 monthly installments Order value: min. 99 € Payment pause: For a fee of 40 €, installment dates can be postponed. | Provider: Santander | Installment purchase despite Schufa? no, Santander uses SCHUFA data for risk assessment and rejects customers with negative Schufa. | Installment purchase without Klarna? Yes, the settlement takes place via Santander | €31,25 per month (for a 24-month term) | 🔥 🔥 🔥 moderately many PS5 drops | PS5 Check availability Advertising: These are affiliate links through which I may receive compensation if you make a purchase. |
| Amazon | Interest charges: 9.03 % p.a. eff. Duration: 3 - 30 monthly installments Order value: min. 100 € - max. 3.000 € Payment pause: Financing without interest can be taken for 3 months | Provider: Barclays | Installment purchase despite Schufa? no, Barclays uses SCHUFA data for risk assessment and rejects customers with negative Schufa. | Installment purchase without Klarna? Yes the settlement takes place via Barclays | €28,31 per month (for a 24-month term) | 🔥 🔥 🔥 🔥 🔥 many PS5 drops | Check availability Advertising: These are affiliate links through which I may receive compensation if you make a purchase. |
| Vexcash + Amazon  | Interest charges: 14.82 %, p.a. eff. Duration: 1 - 3 monthly installments Order value: min. 100 € - max. 3.000 € Payment pause: not possible | Provider financing: Vexcash Supplier device: Amazon | Installment purchase without Klarna? Yes the settlement takes place via Vexcash and therefore without Klarna. | €204,65 per month (with 3 months term) | 🔥 🔥 🔥 🔥 🔥 many PS5 drops | (1) Check credit availability (2) PS5 Check availability Advertising: These are affiliate links through which I may receive compensation if you make a purchase. | |
| eBay | Interest charges: 12,9 % Duration: 24 monthly installments Order value: max. 5.000 € Payment pause: not possible ⚠️Überweisung of the installments notwendig⚠️ no direct debit | Provider: Klarna | Installment purchase despite Schufa? no, Klarna uses SCHUFA data for risk assessment and rejects customers with negative Schufa. | Installment purchase without Klarna? no | €28 - €35 per month (for a 24-month term) | 🔥 🔥 🔥 🔥 🔥 Installment purchase possible with commercial sellers | PS5 Check availability Advertising: These are affiliate links through which I may receive compensation if you make a purchase. |
| Media Market | Interest charges: 8.49 % p.a. eff. 0% financing possible up to 10 months term Duration: 6 to 44 months monthly installments Order value: min. 99 € to max. 5.000 € Payment pause: not possible | Provider: Targobank Santander ConsorsFinanz | Installment purchase despite Schufa? no, the 3 banks use SCHUFA data for risk assessment and reject customers with negative Schufa. | Installment purchase without Klarna? Yes, the settlement takes place via the banks mentioned | €28,04 per month (for a 24-month term) | 🔥 🔥 🔥 🔥 🔥 many PS5 drops | |
| Saturn | Interest charges: 8.49 % p.a. eff. 0% financing possible up to 10 months term Duration: 6 to 44 months monthly installments Order value: min. 99 € to max. 5.000 € Payment pause: not possible | Provider: Targobank Santander ConsorsFinanz | Installment purchase despite Schufa? no, the 3 banks use SCHUFA data for risk assessment and reject customers with negative Schufa. | Installment purchase without Klarna? Yes, the settlement takes place via the banks mentioned | €28,04 per month (for a 24-month term) | 🔥 🔥 🔥 🔥 🔥 many PS5 drops | |
| Otto | Interest charges: 12.71 % - 15.70 % p.a. eff. Duration: 3 -48 monthly installments Order value: min. 50 € to max. 2.500 € Payment pauseA payment break of 100 days is possible against surcharge. You then pay the first installment only 100 days after receipt of the goods. | Provider: Otto Payments | Installment purchase despite Schufa? no, Otto Payments uses SCHUFA data for risk assessment and rejects customers with negative Schufa. | Installment purchase without Klarna? YesThe settlement takes place via the subsidiary Otto Payments. | €29,95 per month (for a 24-month term) | 🔥 🔥 🔥 🔥 🔥 many PS5 drops | |
| as good as new | Interest charges: 11,95 % -14,99 % p.a. eff. + 0,45 €/month (installment fee) 0 % Interest at 6 months financing period Duration: 3 - 36 monthly installments Order value: max. 5.000 € Payment pause: not possible ⚠️Überweisung of the installments notwendig⚠️ no direct debit | Provider: Klarna | Installment purchase despite Schufa? no, Klarna uses SCHUFA data for risk assessment and rejects customers with negative Schufa. | Installment purchase without Klarna? no | €32,30 per month (for a 24-month term) | 🔥 🔥 🔥 🔥 🔥 many PS5 drops (also new devices | |
| Expert Technomarkt | Interest charges: 7.24 % p.a. eff. 0% financing available with 10 to 18 months term Duration: 10 - 72 monthly installments Order value: min. 120 € to max. 10.000 € Payment pause: not possible | Provider: ConsorsFinanz | Installment purchase despite Schufa? no, ConsorsFinanz uses SCHUFA data for risk assessment and rejects customers with negative Schufa. | Installment purchase without Klarna? Yes, the settlement takes place via ConsorsFinanz | €33,66 per month (for a 24-month term) | 🔥 🔥 🔥 moderately many PS5 drops | |
| Baur shipping | Interest charges: 15,79 % p.a. eff. + 0,67 % rate surcharge Duration: 3 - 48 monthly installments Order value: min. 50 € to max. 2.500 € Payment pause: 100 days payment break possible (extra charge) | Supplier: Baur Versand | Installment purchase despite Schufa? noIf you have a negative Schufa, you can only pay at Baur as follows: Cash on delivery: Sofortüberweisung, prepayment. | Installment purchase without Klarna? Yes, the store handles the installment payment itself | €36,27 per month (for a 24-month term) | 🔥 🔥 🔥 moderately many PS5 drops | |
| Lidl | Interest charges: 6.99 % p.a. eff. Duration: 10 - 72 monthly installments Order value: min. 120 € to max. 5.000 € Payment pause: not possible | Provider: ConsorsFinanz (Master Card) | Installment purchase despite Schufa? no, ConsorsFinanz uses SCHUFA data for risk assessment and rejects customers with negative Schufa. | Installment purchase without Klarna? Yes, the settlement takes place via ConsorsFinanz | €29,10 per month (for a 24-month term) | 🔥 🔥 🔥 moderately many PS5 drops | |
| Kaufland | Interest charges: 11,95 % -14,99 % p.a. eff. + 0,45 €/month (installment fee) Duration: 3 - 36 monthly installments Order value: max. 5.000 € Payment pause: not possible ⚠️Überweisung of the installments notwendig⚠️ no direct debit | Provider: Klarna | Installment purchase despite Schufa? no, Klarna uses SCHUFA data for risk assessment and rejects customers with negative Schufa. | Installment purchase without Klarna? no | €35,76 per month (for a 24-month term) | 🔥 little PS5 drops | |
| source | Interest charges: 9.99 % p.a. eff. Duration: 3,6,12 or 24 monthly installments Order value: min. 99 € to max. 5.000 € Payment pause: not possible | Provider: Paypal | Installment purchase despite Schufa? no, PayPal uses SCHUFA data for risk assessment and rejects customers with negative Schufa. | Installment purchase without Klarna? Yes, the settlement takes place via Paypal | €34,39 per month (for a 24-month term) | 🔥 little PS5 drops | |
| SMDV | Interest charges: 9.99 % p.a. eff. Duration: 3,6,12 or 24 monthly installments Order value: min. 99 € to max. 5.000 € Payment pause: not possible | Provider: Paypal | Installment purchase despite Schufa? no, PayPal uses SCHUFA data for risk assessment and rejects customers with negative Schufa. | Installment purchase without Klarna? Yes, the settlement takes place via Paypal | €34,39 per month (for a 24-month term) | 🔥 little PS5 drops | |
| eJoker | Interest charges: 9.99 % p.a. eff. Duration: 3,6,12 or 24 monthly installments Order value: min. 99 € to max. 5.000 € Payment pause: not possible | Provider: Paypal | Installment purchase despite Schufa? no, PayPal uses SCHUFA data for risk assessment and rejects customers with negative Schufa. | Installment purchase without Klarna? Yes, the settlement takes place via Paypal | €35,00 per month (for a 24-month term) | 🔥 little PS5 drops | |
| Computeruniverse | Interest charges: 9,9% p.a. eff. 0% financing possible with 6 or 12 months term Duration: 6- 72 monthly installments Order value: min. 99 € to max. 15.000 € Payment pause: not possible | Provider: ConsorsFinanz | Installment purchase despite Schufa? no, ConsorsFinanz uses SCHUFA data for risk assessment and rejects customers with negative Schufa. | Installment purchase without Klarna? Yes, the settlement takes place via ConsorsFinanz | €25,38 per month (for a 24-month term) | 🔥 little PS5 drops | |
| Voelkner | Interest charges: 11,95 % -14,99 % p.a. eff. + 0,45 €/month (installment fee) Duration: 3 - 36 monthly installments Order value: max. 5.000 € Payment pause: not possible ⚠️Überweisung of the installments notwendig⚠️ no direct debit | Provider: Klarna | Installment purchase despite Schufa? no, Klarna uses SCHUFA data for risk assessment and rejects customers with negative Schufa. | Installment purchase without Klarna? no | approx. 35,76 € per month (for a 24-month term) | 🔥 little PS5 drops | |
| Proshop | Interest charges: 11,95 % -14,99 % p.a. eff. + 0,45 €/month (installment fee) Duration: 3 - 36 monthly installments Order value: max. 5.000 € Payment pause: not possible ⚠️Überweisung of the installments notwendig⚠️ no direct debit | Provider: Klarna | Installment purchase despite Schufa? no, Klarna uses SCHUFA data for risk assessment and rejects customers with negative Schufa. | Installment purchase without Klarna? no | €35,76 per month (for a 24-month term) | 🔥 little PS5 drops | |
| Digitalo | Interest charges: 9.99 % p.a. eff. Duration: 3,6,12 or 24 monthly installments Order value: min. 99 € to max. 5.000 € Payment pause: not possible | Provider: Paypal | Installment purchase despite Schufa? no, PayPal uses SCHUFA data for risk assessment and rejects customers with negative Schufa. | Installment purchase without Klarna? Yes, the settlement takes place via Paypal | €34,39 per month (for a 24-month term) | 🔥 little PS5 drops |
Buy PS5 on installments despite SCHUFA
You want to buy the new PlayStation 5, but your SCHUFA is not in order? No problem! There are ways to buy the PS5 even on installments, despite negative SCHUFA. However, a direct installment purchase from an online store is no longer possible with a negative Schufa. Because the major payment service providers like Klarna and Paypal almost always reject customers with negative entries.
Related articleIf you have difficulties with PayPal installment payments, you can find my best tried and tested solutions here: PayPal installment does not work: how to fix these 11 blockers directly.
But also with Otto Payments, or Barclays* (for Amazon installment purchases) as well as with the Targobank*, Santander* or ConsorsFinanz, it usually looks bad with negative Schufa.
This is because providers suspect the worst in customers with negative Schufa records (often unfounded). Therefore, they reject customers directly without further examination. This, in turn, creates big problems for some who want to buy the expensive PS5. After all, many customers don't exactly have 700 euros for the high-end console in their bank account, or don't want to use their savings.
If you want to buy a Playstation 5 on installments despite negative SCHUFA, therefore, the only way is through mini-credit providers such as Vexcash* left. The provider grants the mini-credit for the PS5 for only 15 Euros and you can pre-order the PlayStation immediately after credit approval via Amazon, since Amazon does not debit the purchase price until the delivery date of the PS5. Of course, this works just as well if you buy the Buy Xbox in installments despite negative Schufa would like.
| Interest charges: 14.82 %, p.a. eff. Duration: 1 - 3 monthly installments Order value: min. 100 € - max. 3.000 € Payment pause: not possible | approx. €95 per month (with 6 months term) | many PS5 drops in the recommended stores | (1) Check credit availability (2) PS5 Check availability Alternative store |
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Buy PS5 in installments without Klarna
Often there is a desire to buy the PS5 without Klarna on installments. The stores Baur shipping and Otto offer the installment purchase of PS5 without Klarna, PayPal or other payment service providers. But you can also make a Vexcash* Take out a loan for 3 months and PS5 directly at Amazon* buy. Because Amazon has one of the best availabilities of the PS5 and by paying via Vexcash you can buy the PS5 on installments without Klarna.
Installment purchase without Klarna PayPal or other payment service providers
Here you will find again all the details about the stores where no payment service providers like Klarna or Paypal be used.
| Store | conditions | Installment purchase from | Installment purchase despite Schufa? | Installment purchase without Klarna? | Monthly rate with 24 months term | PS5 Drops Availability | Check availability and price |
|---|---|---|---|---|---|---|---|
| Vexcash + Amazon | Interest charges: 14.82 %, p.a. eff. Duration: 1 - 3 monthly installments Order value: min. 100 € - max. 3.000 € Payment pause: not possible | Provider financing: Vexcash Supplier device: Amazon | Installment purchase despite Schufa? Yes, since the financing is through Vexcash, you can use the Buy PS5 on installments despite negative Schufa. | Installment purchase without Klarna? Yes the settlement takes place via Vexcash and therefore without Klarna. | €204,65 per month (with 3 months term) | 🔥 🔥 🔥 🔥 🔥 many PS5 drops | (1) Check credit availability (2) PS5 Check availability |
| Baur shipping | Interest charges: 15,79 % p.a. eff. + 0,67 % rate surcharge Duration: 3 - 48 monthly installments Order value: min. 50 € to max. 2.500 € Payment pause: 100 days payment break possible (extra charge) | Supplier: Baur Versand | Installment purchase despite Schufa? noIf you have a negative Schufa, you can only pay at Baur as follows: Cash on delivery: Sofortüberweisung, prepayment. | Installment purchase without Klarna? Yes, the store handles the installment payment itself | €36,27 per month (for a 24-month term) | 🔥 🔥 🔥 moderately many PS5 drops | |
| Otto | Interest charges: 12.71 % - 15.70 % p.a. eff. Duration: 3 -48 monthly installments Order value: min. 50 € to max. 2.500 € Payment pauseA payment break of 100 days is possible against surcharge. You then pay the first installment only 100 days after receipt of the goods. | Provider: Otto Payments | Installment purchase despite Schufa? no, Otto Payments uses SCHUFA data for risk assessment and rejects customers with negative Schufa. | Installment purchase without Klarna? YesThe settlement takes place via the subsidiary Otto Payments. | €29,95 per month (for a 24-month term) | 🔥 🔥 🔥 🔥 🔥 many PS5 drops |
Installment purchase without Klarna but using other payment service providers such as Paypal, ConsorsFinanz, Santander etc.
Here you will find all the details of the stores where you can buy the Buy PS5 without Klarna on installments can. In contrast to the table above, stores are also listed here that use payment service providers such as Paypal, Barclays*, Targobank*, Santander* or use other providers to process the installment purchase.
PS5 installment purchase at O₂
O₂ offers the PS5 in the Installment purchase together with a cell phone tariff for the smartphone flagship from Sony (Sony Xperia 1 IV). Therefore, you can find all information about the PS5 installment purchase at O₂ here:
- Included in the bundle: PS5 Disk Edition and Sony Xperia 1 IV
- In addition different contract options Available with different data volumes and prices
- The term of the contract is: 24 Months
- Price for bundle and mobile contract only slightly higher than the PS5 alone and therefore worthwhile
- However, a positive creditworthiness required: The offer can not with negative Schufa entries be completed.
PS5 installment purchase at Otto
| Otto | Interest charges: 12.71 % - 15.70 % p.a. eff. Duration: 3 -48 monthly installments Order value: min. 50 € to max. 2.500 € Payment pauseA payment break of 100 days is possible against surcharge. You then pay the first installment only 100 days after receipt of the goods. | Provider: Otto Payments | . | The installment payment is processed via the subsidiary Otto Payments | €29,95 per month (for a 24-month term) | many PS5 drops |
However, availability is improving. In 2023, more PS5s are permanently available at Otto. Mostly, however, only in a bundle with "God of War: Ragnarok" or "Horizon Forbidden West Voucher".
Of the Installment purchase is made via Otto Payments without integration of payment service providers such as Klarna or Paypal processed. Nevertheless, a good credit rating is required for the installment purchase at Otto. So if you negative credit bureau entries, you cannot buy in installments from Otto. conclude.
You can check the availability of the PS5 on Otto's website or also at other retailers like Amazon*, Alternate, Euronics, Rebuy search for available PS5.
PS5 installment purchase at Media Markt
| Media Market | Interest charges: 8.49 % p.a. eff. 0% financing possible up to 10 months term Duration: 6 to 44 months monthly installments Order value: min. 99 € to max. 5.000 € Payment pause: not possible | Provider: Targobank Santander ConsorsFinanz | . | The installment payment is processed via Targobank, Santander or ConsorsFinanz | €28,04 per month (for a 24-month term) | many PS5 drops |
Media Markt also has good availability of the PS5 console in 2023. Installment purchases are possible with 0 % financing, as long as you limit the financing period to a maximum of 10 months. However, longer financing periods are also offered with the PS5 installment purchase at Media Markt. You can finance the PS5 console for a maximum of 44 months at Media Markt.
PS5 financing at Media Markt: Bundle only
However, the PlayStation 5 is rarely offered without a bundle at Media Markt. The "naked" console costs 450 € for the digital edition and 550 € for the disc model. If you can get such a model, the prices at Media Markt are fair and correspond to Sony's MSRP. When PS5 consoles are available at Media Markt, they are almost exclusively offered in bundles with console, games and accessories. The last PS5 bundles at Media Markt were:
| PS5 Bundle | Price | Monthly rate (24 months term) |
|---|---|---|
| PS5 God of War Ragnarok Bundle | 629,99 € | 28,48 € |
| PS5 Digital Edition God of War Ragnarok Bundle | 524,99 € | 23,73 € |
| PS5 God of War Ragnarok Bundle + The Last of Us 1 | 699,99 € | 31,65 € |
| PS5 Digital Edition God of War Ragnarok Bundle + Pulse 3D Wireless Headset | 624,99 € | 28,25 € |
| PlayStation 5 | 549,99 € | 24,86 € |
| PS5 + Horizon: Forbidden West + Uncharted: Legacy of Thieves | 629,99 € | 28,48 € |
| PS5 Horizon: Forbidden West Bundle | 619,99 € | 28,03 € |
| PS5 Horizon: Forbidden West Bundle + Call of Duty Vanguard + DualSense Controller (Midnight Black) | 689,99 € | 31,19 € |
| PS5 + Horizon: Forbidden West + Gran Turismo 7 | 689,99 € | 31,19 € |
| PS5 Horizon: Forbidden West Bundle + Media Remote | 629,99 € | 28,48 € |
| PS5 + Horizon: Forbidden West | 619,99 € | 28,03 € |
| PS5 FIFA 23 Bundle | 629,99 € | 28,48 € |
| PS5 Horizon: Forbidden West Bundle + DualSense Controller (white) | 639,99 € | 28,93 € |
| PS5 + Gran Turismo 7 + DualSense Controller (Midnight Black) | 689,99 € | 31,19 € |
PS5 installment at Amazon
You can buy a PS5 from Amazon with installments via Barclays. However, there have been some cases in the past where accounts from Marketplace sellers were compromised. It is therefore advisable to only buy the PS5 directly from Amazon. I do not advise buying from Marketplace participants due to some fraud cases in the past. If the price of the PS5 is below the MSRP, special caution is advised. It is probably a compromised account and the money is gone in the end.
On the other hand, it is better to only use the PS5 from Amazon direct purchase* until the issues of compromised Marketplace accounts are resolved.
Why is the PS5 so expensive?
Sony's recommended retail price for two years (since the console's release until August 2022) was 499 Euros for the PS5 Standard Edition with Blu-ray drive and 399 Euros for the PS5 Digital Edition. However, Sony raised the prices of the PS5 by 50 Euros on August 25, 2022.
In doing so, Sony justifies the Price increase of the PS5 with the rising Inflation and the weak US dollar. Since August 2022, the euro has only been worth about as much as the dollar, and is thus trading around a quarter below the rate at the beginning of 2022.
The PS5 currently has the following recommended retail prices:
- PS5 with Ultra HD Blu-ray drive - €549.99
- PS5 Digital Edition - 449,99 Euro
This is Sony's response to what has been happening on the market for a long time. Because due to the extreme PS5 demand the new Sony console on eBay* (Advertising: These are affiliate links through which I may receive remuneration if you make a purchase.) have long been traded at higher prices than the recommended retail price. In 2022, some game consoles were offered for more than 1000 euros. The manufacturer's recommended retail price was less than half of the asking price. Scalpers who bought up PS5 consoles and sold them at eBay* and other platforms drove the price up further.
Sony made the following comments about the PS5 price increase on the Playstation blog:
The global economic environment is a challenge that undoubtedly faces many of you around the world. We are seeing high inflation rates and unfavorable currency trends around the world that are impacting consumers and putting pressure on many industries. In light of these challenging economic conditions, Sony Interactive Entertainment has made the difficult decision to increase the suggested retail price of PlayStation 5 in select markets in Europe, the Middle East and Africa (EMEA), Asia Pacific (APAC), Latin America (LATAM) and Canada. There will be no price increase in the United States.
Official announcement on the price increase of the PS5 from Sony on 25.08.2022.
Where to buy a PS5 with 0 % financing?
There are also providers that 0 % Financing for PS5 offer. You can currently finance the PS5 at 0 % with the following providers:
| Offerer | Conditions of the 0 % financing for the PS5 | Financing provider |
|---|---|---|
| cyberport* | 6- 24 months 0 % Interest | Santander |
| Media Markt | 6- 10 months 0 % Interest | Targobank Santander ConsorsFinanz |
| Saturn | 6- 10 months 0 % Interest | Targobank Santander ConsorsFinanz |
| as good as new | 6 months 0 % Interest | Klarna |
| Expert Technomarkt | 10-18 months 0 % Interest | ConsorsFinanz |
Always check the total costs before you sign up for 0 % financing. There may be other providers who do not offer 0 % financing but have more favorable prices for the PS5. If you buy the PS5 yourself through a Loan you can always buy the PS5 where you can get it cheapest and still not have to have the purchase price available in advance.
Buy PS5 on installments in Austria
You can also buy the PS5 on installments in Austria. The availability of the console is similarly low as in Germany and you have to expect longer waiting times. You can buy the PS5 console at the following stores
Playstation5 Disc God of War: Ragnarok Bundle at: Amazon*, Media Markt, Electronic4You, Libro
Playstation5 Digital God of War: Ragnarok Bundle available for pre-order at: Amazon*, Electronic4You
Buy PS5 on installments in Austria: Amazon
Unfortunately, Amazon financing via Barclays is only available to people who are resident in Germany. An installment purchase via Amazon.de directly is therefore not possible for Austrians.
One Alternative to buy the PS5 also in Austria on installments provides the free credit card of the TF Bank*. This allows you to shop interest-free for up to 51 days and pay your bill conveniently at the end of the month. In addition, with the TF Bank credit card you get free travel insurance, which automatically kicks in when you use the credit card to pay for the trip.
More options Mini loans in Austria to buy in installments at Amazon.de you can find at Tarifgigant.at.
Buy PS5 on installments in Austria: Media Markt
Media Markt Austria offers installment purchases from 0 % debit interest rate for terms of up to 10 months. Longer terms can also be financed. The interest rate is then 9.9 % effective Annual interest rate. So you can use the PS5 Disc GoW Bundle at Media Markt for about €60 per month on installments. The purchase price of €599 is thus repaid after 10 months of credit. Media Markt Austria exclusively uses ConsorsFinanz as payment service provider.
Buy PS5 on installments in Austria: Electronic4You
At Electronic4You you can buy the PS5 on installments and pay up to 3 months 0 % interest. The financing is done via Cashpresso. However, Austrians also have a few options in case of rejection. Cashpresso Alternatives as the TF Bank* is available. With this you can use the PS5 up to 51 days interest free finance.
Buy PS5 on installments in Austria: Libro
Libro does not offer installment purchase in Austria.
One Alternative to buy the PS5 at Libro on installments but offers itself over the free credit card of the TF Bank*, which we have already mentioned several times. With the TF Bank credit card you can spend up to Shop interest-free for 51 daysn and pay your bill conveniently at the end of the month. In addition, with the TF Bank credit card, you get free travel insurance that automatically kicks in when you use the TF Bank credit card for payment.
More options Mini loans in Austria If you want to buy on installment at Libro.at you can find it at Tarifgigant.at.
The expensive PS5 console becomes affordable with an installment purchase
Many stores offer Installment purchases of the PS5 console directly through the store an. This is convenient for the customer because he does not have to take care of financing the device on his own. Further advantages of an installment purchase of the PS5 are:
1. buy PS5 and pay later in installments
Installment purchase is a popular financing option that allows consumers to pay for a product in monthly installments instead of spending the full price all at once. There are many providers that offer installment purchases for the PlayStation 5, including major electronics stores like MediaMarkt and Saturn, as well as online stores such as Amazon* and eBay*.
The best-known providers of installment purchases are Klarna, Paypal, ConsorsFinanz, Santander and Targobank. Installment payments can often be adjusted flexibly (e.g., by taking a payment break), depending on the customer's budget and financial situation.
2. without deposit
Another advantage of the installment purchase is that it is usually no deposit or a high minimum purchase amount. This way, even consumers with a limited budget can purchase the latest console.
3. zero percent financing at no extra charge
There are also providers that 0 % Financing for PS5 offer. Further up in this post you will find an overview, which is linked here.
But an installment purchase of the PS5 also has disadvantages
Of course, there are also disadvantages to consider when buying the PS5 in installments:
1. higher interest rate than financing through credit
One of them is that the APR usually higher is than with a normal Loan. This means that the customer ends up paying more than if he had financed the full price through a loan and then paid in the store all at once.
2. permanent position with 1.300 € net required
Another disadvantage is that installment purchase offers only for certain customer groups are accessible like permanent employees. In addition, mostly Minimum income of 1,300 euros net or more must be demonstrated in order for the financing partner to approve the installment purchase (Didn't you? → Then: Which bank gives credit for low income?).
Installment purchases are rarely approved when students, the self-employed, those receiving unemployment benefits or the self-employed apply. In contrast, the following are suitable for this mini loanswhich are often also still in difficult cases be given.
To finance the PS5 without a permanent job, for example, the mini loan from Vexcash*. For a credit over 650 euros, will be, with 90 days maturity, thereby only 15 euros of interest due.
3. good credit rating required
Another important factor in installment buying is the customer's creditworthiness. This is because, as with any loan, the creditworthiness of the customer is also checked in the case of installment purchases to ensure that they are able to pay the installments. Unfortunately, customers with a poor credit rating or negative Schufa entries will have considerable difficulty obtaining an installment purchase. If it should still work out, people with a poor credit rating will have to higher interest rates pay for the same loan or make a guarantors consult
Advantages and disadvantages of buying a PS5 on installments
advantages
- Buy PS 5 today and pay later in low monthly installments
- Processing directly through the store
- Without deposit
- Many stores offer zero percent financing
Disadvantages
- Interest higher than credit
- Higher income than for Loans with low income required: Often you need at least 1.300 € net
- Permanent employment necessary
- Good credit rating and SCHUFA required
Alternative to installment purchase: credit
An alternative to buying in installments is financing through a loan. In this case, you independently take a Loan to buy the PlayStation 5 and then repay the loan installments in monthly installments. The advantage here is that the borrower usually has a greater flexibility and a lower annual percentage rate of charge has. The disadvantage is that the loan has to be taken out separately before buying the PlayStation. Only when the money is in your account can you use it to buy the PS5.
This method therefore has the Disadvantagethat the PS5 after payout of the loan already again sold out can be. Another disadvantage of the credit compared to the installment purchase of the Playstation 5, however, is that you have to pay the credit not directly from the dealer can complete.
Buy PS5 on installments: Conclusion
In conclusion, installment buying is a great way to purchase the latest PlayStation without having to pay the full price all at once. There are many providers and financing options that allow consumers to buy the PlayStation 5 in installments.
at negative Schufa comes the PS5 installment purchase via a Vexcash*-credit is an option. You can finance the PS5 for 15 euros over a period of 90 days.
For the PS5 Installment purchase without Klarna a whole range of providers come into consideration. Amazon*, Alternate, Baur Versand and many more, which you can find in the table at the beginning of the post and search for "Installment purchase from" can sort.
But also for the PS 5 Installment Purchase with 0 % Financing there are some providers. This includes for example the store cyberport*
But no matter which offer you choose: It is important to compare the different offers carefully and to check your financial situation carefully if you want to buy a PS5 on installments.
*Affiliate link: If you use one of these links to go from my website to a provider, I may receive a commission. There are no additional costs for you. For using these links a ❤️ THANK YOU! ❤️
Disclaimer: This is well researched but non-binding information.
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