The PlayStation 5 is the latest model of Sony's successful games console. It still offers an incomparable gaming experience. However, the unique experience unfortunately comes with a high price, the popular PS5 console accompanied.
At the same time, the provider Klarna criticized by consumer protection and regulatory authorities. The provider encourages customers to use credit irresponsibly. That is why we are looking at alternatives todayhow to get the PS5 on Buy installments without using Klarna as a payment method, you can.
Other provider recommendations around the Buy PS5 in installments can be found in the linked article. If you already negative credit bureau entries, you can also directly read the article "Buy PS5 on installments despite SCHUFA" read
Buy PS5 in installments without Klarna or other payment service providers
What you can learn here
- Buy PS5 on installments without Klarna or other payment service providers
- Buy PS5 on installments without Klarna, but with other payment providers
- The expensive PS5 console becomes affordable with an installment purchase
- The problem of installment purchases with Klarna and Paypal
- Other disadvantages of an installment purchase
Here you will now find details of the stores where no payment service providers such as 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 |
If you have problems with PayPal installment payments, you can find tried and tested solutions here: PayPal installment does not work: how to fix these 11 blockers directly.
PS5 in installments buy without Klarna, but with other payment service providers
Here you can find all the details about the stores where you can buy the PS5 Buy in installments without Klarna can. In contrast to the table above, stores are also listed here that use payment service providers such as Paypal, Barclays*, targo bank*, Santander* ConsorsFinanz or other providers to process the installment purchase.
| 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 |
|---|---|---|---|---|---|---|---|
| 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 |
| 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 | Installment purchase provider: 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 |
| 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 |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 | |
| 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 |
The expensive PS5 console becomes affordable with an installment purchase
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. Often, installment payments can be flexibly adjusted, depending on the customer's budget and financial situation. Some stores, such as Baur Versand, also follow the example of some Car dealerships and offer the financing of installment purchase itself on.
Another advantage of installment buying is that there is usually no down payment or high minimum purchase amount. This means that even consumers with a limited budget can purchase the latest console. There are also providers who 0 % Financing offer, such as cyberport, MediaMarkt and Saturn, and some more.
The problem of installment purchases with Klarna and Paypal
Installment purchases through services like PayPal and Klarna offer consumers the ability to make purchases without spending all their money at once.
However, the providers are not recommended for a Playstation 5 purchase, as they try to disguise the fact that you are just taking out a loan. This is because Klarna in particular presents itself as an elegant app that makes online shopping modern and flexible. At the same time Klarna high reminder fees and double-digit loan interest. the British advertising regulator therefore banned spots from Klarna as early as 2020, as they encourage the irresponsible use of credit.
However, users often only find out about this after the fact, as anything unpleasant that might prevent the purchase is well within bulky documents on the website of Klarna is hidden. This also includes the fact that Klarna reminders can lead to negative Schufa entries, which can burden the SCHUFA score and thus cause a variety of other problems.
Other disadvantages of an installment purchase
Of course, there are also disadvantages to consider when buying in installments. One of them is that the effective Annual interest rate usually higher is than with a normal Loan. This means that the customer ends up paying more than if he had paid the full price at once by means of a credit.
In addition, installment purchases are only available to certain customer groups. These mainly include permanent employees. Other groups of people such as students, the unemployed or even the self-employed are usually rejected for installment purchases.
Another important factor in installment buying is the customer's creditworthiness. As with any loan, the customer's credit rating is checked to ensure that they are able to pay the installments. Customers with a bad credit may have difficulty obtaining an installment purchase and may have to pay higher interest rates. To avoid the PS5 on installments despite negative Schufa (and without Klarna involvement), special mini loans are suitable.
 | 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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Disclaimer: This is well researched but non-binding information.
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