I wish there was an option to pay in installments

[JAGIELSKI]

It would allow Valve to get more sales out to the people who can't splurge at SD all at once (even refurbished one), but would be able to pay in installments, like 30-60 bucks a month.

[cSg|mc-Hotsauce]

You can, using a credit card or PayPal's pay-in-4.

[JAGIELSKI]

Don't have a credit card (the risk of debt spiral is too high with that one) and it's the first time I hear about pay-in-4. Though TBH, even splitting the price (assuming we're talking about the highest model, refurbished) in 4 parts would be too high for me, would need at least 12 installments, perhaps even 24 so the monthly payment wouldn't wreck my home budget.

[Punkovich]

Originally posted by Singing Dragon 69:

Don't have a credit card (the risk of debt spiral is too high with that one) and it's the first time I hear about pay-in-4. Though TBH, even splitting the price (assuming we're talking about the highest model, refurbished) in 4 parts would be too high for me, would need at least 12 installments, perhaps even 24 so the monthly payment wouldn't wreck my home budget.

When a company does what you are suggesting it usually involves contracting out with a credit issuing company. Basically you open a line of credit, Valve would get paid in full and you make payments to the issuer with interest(ie. Credit card debt).

[JAGIELSKI]

I am fine with that arrangement. The main problem with CCs I have is that it's too easy to overspend and then not have funds to actually pay it back, whereas crediting a specific item, without using a CC, is much easier to control, without going into a huge debt spiral.

[Boblin the Goblin]

Originally posted by Singing Dragon 69:

I am fine with that arrangement. The main problem with CCs I have is that it's too easy to overspend and then not have funds to actually pay it back, whereas crediting a specific item, without using a CC, is much easier to control, without going into a huge debt spiral.

Get a CC, buy the Deck, shred the card, and then pay it back over 12 months.

[JAGIELSKI]

Originally posted by SlowMango:

Originally posted by Singing Dragon 69:

I am fine with that arrangement. The main problem with CCs I have is that it's too easy to overspend and then not have funds to actually pay it back, whereas crediting a specific item, without using a CC, is much easier to control, without going into a huge debt spiral.

Get a CC, buy the Deck, shred the card, and then pay it back over 12 months.

And then get sued into hell, because here in Poland CCs are technically the property of the bank and you are not allowed legally to just shred them (at least not before they expire).

[Boblin the Goblin]

Originally posted by Singing Dragon 69:

Originally posted by SlowMango:

Get a CC, buy the Deck, shred the card, and then pay it back over 12 months.

And then get sued into hell, because here in Poland CCs are technically the property of the bank and you are not allowed legally to just shred them (at least not before they expire).

You really think they would sue you for making sure you don't use their card anymore? Also, how would they find out?

[Punkovich]

I would say the only other option is to save up. But something tells me we would run into the same insufficient self control/discipline issues again...

[yokoshlomo]

Originally posted by Singing Dragon 69:

I am fine with that arrangement. The main problem with CCs I have is that it's too easy to overspend and then not have funds to actually pay it back, whereas crediting a specific item, without using a CC, is much easier to control, without going into a huge debt spiral.

You are talking about it, like its something out of your control.

an agreement with an CC company where you define a fixed limit of what you can spend (while you dont have to spend anything)

OR

buying something I cant afford with the promise of paying it back in the next (lets say) 2 years.

Both situations are being in (a) debt (spiral).
In both situations you should have some kind of discipline.


The real solution would be to save money and buy when able to afford it.
But thats less fun of course.

[PopinFRESH]

Originally posted by Punkovich:

I would say the only other option is to save up. But something tells me we would run into the same insufficient self control/discipline issues again...

Originally posted by yokoshlomo:

Originally posted by Singing Dragon 69:

I am fine with that arrangement. The main problem with CCs I have is that it's too easy to overspend and then not have funds to actually pay it back, whereas crediting a specific item, without using a CC, is much easier to control, without going into a huge debt spiral.

You are talking about it, like its something out of your control.

an agreement with an CC company where you define a fixed limit of what you can spend (while you dont have to spend anything)

OR

buying something I cant afford with the promise of paying it back in the next (lets say) 2 years.

Both situations are being in (a) debt (spiral).
In both situations you should have some kind of discipline.


The real solution would be to save money and buy when able to afford it.
But thats less fun of course.

^^ if you don’t have the self control or discipline to stay within your budget you probably shouldn’t be looking for companies to make it easier for you to irresponsibly spend money.

Secondly, if it will take you two years to payoff a steam deck you probably shouldn’t be spending that money. You’re saying you essentially only have about $20/mo for discretionary spending without wrecking your home finances.

At least you are being honest with yourself about not having the self control to be responsible with a credit card. That is some self control in itself. While probably not what your looking for or want to hear, maybe try to pay yourself the $20/mo into a “Steam Deck savings account” and in two years when you’d finally be paying off your Steam Deck, you’ll have enough $money saved up to buy Steam Deck 2 at launch.

[Indokathan]

Abunda has payment plans and lease-to-own options. It looks like for $14/mo. I used them to finance a ps5. Should work well for a steam deck.

https://www.shopabunda.com/s/steam-deck-payment-plan

[Uncle Ted]

poor people issue