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Xbox One, PS4, Nintendo Wii and More on Finance

Credit Options

If you are thinking about purchasing a game console either for yourself or as a gift for a family member or friend, you may want to spread the cost of the item over time, allowing you to budget more effectively and control your finances. There are many different companies that offer this form of credit, and you will be able to have the console delivered directly to your door - ideal if you are unable to visit electrical stores in your area.

Some of the most popular consoles available on finance are the Xbox One and PlayStation 4 - both of which are available brand new. You may also be able to apply for Buy Now Pay Later, where you will be able to have your games console delivered to your door directly and then pay for it at a later date. Here are some of the most popular online credit options available for games consoles, such as the Xbox One and PlayStation 4.

In order to apply for a new credit account, there are a number of factors you will need to consider. With several companies offering games consoles on finance, you will need to opt for a service that offers you a competitive rate of interest, and a number of flexible payment options. You may also want to choose a company that offers an excellent level of customer service.

Some of the most popular credit options include spreading the cost of the item over a prolonged period of time. Of course, all credit provided will be subject to you passing the finance providers credit and affordability checks. Once you've got an account, you will receive a monthly statement which will detail your credit balance and the minimum payment you will need to make, as well as any other items you have purchased since the last billing period. Depending on the company you open your credit account with, you could pay for the games console in manageable repayments every week, month, or three months. There are a number of ways you can do this, and can contact the company directly over the phone to make your payment, or log into your online account on the company's website to settle the balance.

Some companies like Next have several branches on the UK high street, and it may be more convenient to visit one of their stores to make your repayments when they are due. Other credit options include Buy Now Pay Later, where you will be able to pay for the games console in full by a certain date. This will depend on the company, but will usually range from three months to 2 years.

Xbox One vs Playstation 4

Microsoft's Xbox One and Sony's Play Station 4 were released in November of 2013. Since their release, both consoles have sold incredibly well. Both Microsoft and Sony say their consoles were launched successfully and have exceeded sales expectations. The main difference in cost between these two is because the Xbox One comes bundled with the Kinect, while the Playstation Move is sold separately. Below, you will find a thorough comparison of both consoles.

Specifications and Hardware
Blu-ray/DVD - Both consoles provide support for blu-ray and DVD's. RAM - The PS4 has slightly better memory power, with 8GB of GDDR5, compared to the Xbox One's 8GB of DDR3. CPU - Both consoles have incredible processing power, each featuring an 8 core processor. GPU - Both consoles feature AMD Radeon graphics cards, with the PS4's graphics card being slightly better. Storage/Hard Drive - 500GB hard drive space for both consoles.

Online Competitive Gaming
The Xbox One and PS4 were both designed to provide a system that does online competitive gaming. Games like Call of Duty and Battlefield have taken the spotlight since their release, with both having highly competitive online game play. The PS4 provides online game play through a Play Station+ subscription and the Xbox One requires an Xbox Live subscription but the difference between Play Station+ and Xbox Live is substantial.

While they are both similar in cost at about £5/month when paid yearly, a Play Station+ membership provides the gamer with free games and exclusive discounts in the Play Station Store, often amounting to as much as 75% off in savings, while an Xbox Live membership provides access to streaming channels such as BBC iPlayer, Netflix and 4oD. When compared side-by-side there isn't much between them. However, many Xbox One owners claim that the Xbox's network is faster, more reliable, and worth the slightly higher cost.

Noticeable Differences?
While the PS4 may look better than the Xbox One on paper, there is hardly a noticeable difference in terms of graphics quality. Essentially, these two consoles are equal when it comes to hardware, with the PS4 having a slight edge.

Xbox One was originally planned to launch with some rather unusual constraints placed on the owner, including an announcement from Microsoft that the console was going to require 24/7 access to the internet. Thanks to moaning and groaning from Xbox fans, this requirement was dismissed and internet access is no longer required.

Handheld Consoles

Handheld games consoles are becoming increasingly popular, allowing you to play your favourite games when on the go. You will be able to spread the cost of a console when you apply for a credit account with an online retailer, which could enable you to budget more effectively. You can also take advantage of competitive prices and excellent customer service, and have the item delivered directly to your door. Here are the #1 handheld consoles that are available on finance.

1

PS Vita
The PS vita is manufactured by Sony. This console benefits from having 2 analog sticks, touch screen and supports Wi-fi, Bluetooth with the option of 3G, meaning you can use the PS Vita in a variety of different ways. The Vita has a quad-core ARM Cortex-A9 MPCore processor and a quad-core SGX543MP graphics processing unit as well as an LCD screen and 1GB memory. You will be able to spread the cost of the item by applying for a new credit account, and there are a number of ways you can make repayments. To open a new credit account you will need to provide the company with some personal details, such as your name, address, and contact information. You may also need to provide some additional documentation for identity purposes in order to further your application, such as a passport or driving license.

2

Nintendo 3DS
One of the most popular handheld consoles in the world, the Nintendo 3DS allows you to play the latest games, and comes available with a camera, internet browser, social media platform, and YouTube streaming services. To spread the cost of the item over a period of time, you can open a new credit account with one of the many online retailers who are offering the Nintendo 3DS on finance. You will receive a monthly statement once you have opened your account, detailing any other items you have purchased, your credit balance and the minimum repayment you will need to make. You can make payments in a number of different ways, including via telephone or by logging into your online account on the company's website.

3

Sony PSP Go
The PSP Go allows you to play your favourite games on a high quality screen, and the games console is lightweight and compact, making it ideal to take with you when you are on the go. The PSP Go also supports bluetooth so connection to mobile phones also using this feature are simple and quick. Several online retailers offer the PSP Go on finance, allowing you to Buy Now Pay Later. You will be able to purchase the item today, and then pay for the console at a later date. The time you will need to pay for the item in full will depend on the company you open a credit account with, but usually ranges from three months to 24 months.