Steam deck payment plan?

[LettersFrom]

For anyone that's reserved their steam deck, i was wonder if you can pay as much or as little until the release date, sort of like a layaway system, or is it just the $5 to reserve and its paid full up front once its released? The reason I asked is because I was think about getting one later on but paying the full amount all at once is a little much for me, like i wouldn't mind paying half one month and the rest on the next month kind of thing.

[AcydBuZZ]

Escrito originalmente por Flavius Claudius Julianus:

Escrito originalmente por Fake:

That's just a credit card. . . .

Not at all the same. Credit cards have interest if you don’t pay within the allotted time, and many of them don’t give you almost 2 months to pay it off.

Chime would be another option. That way you put in what ever you can/want to when you can until you've got enough in there to cover it

[ KARR™]

If you have the money to pay each month, just don't spend that money, or withdraw it in cash, put it away safely and then pay it all back in when it's time to pay Valve.

People may want to investigate banks that allow this feature. One of my banks has 'spaces' where you can divert funds from your balance and they are held so you can't spend the cash, doesn't appear in your main balance but you can move funds in and out on will.

I've got 3 spaces set up, 1 for holiday, 1 for car servicing and 1 for Steam Deck! All happens automatically or when i choose to add money into it.

https://ibb.co/Npf80dF

[Brian9824]

This is why people are in debt.....

If you can't afford it, don't buy it. If you don't have enough in your bank to cover a purchase like this then you should be buying less games and saving more. Then you could easily use your balance and buy it and then put the money back in your bank account over the next several months.

[Seretti]

Escrito originalmente por brian9824:

This is why people are in debt.....

If you can't afford it, don't buy it.

I couldn't agree more. But I guess it's more fun to just splurge now and maybe end up living in poverty later, or even becoming homeless, because of their bad decisions.

[crunchyfrog]

Escrito originalmente por Seretti:

Escrito originalmente por brian9824:

This is why people are in debt.....

If you can't afford it, don't buy it.

I couldn't agree more. But I guess it's more fun to just splurge now and maybe end up living in poverty later, or even becoming homeless, because of their bad decisions.

While true, and can be a problem, it's important not to tar everyone with the same brush.

Plenty of people DO use credit effectively and properly, and it's a good way for them to do things.

Though, for myself, I haven't used credit in decades.

[Brian9824]

Escrito originalmente por crunchyfrog:

Escrito originalmente por Seretti:

I couldn't agree more. But I guess it's more fun to just splurge now and maybe end up living in poverty later, or even becoming homeless, because of their bad decisions.

While true, and can be a problem, it's important not to tar everyone with the same brush.

Plenty of people DO use credit effectively and properly, and it's a good way for them to do things.

Though, for myself, I haven't used credit in decades.

Yeah but if you have that then you don't need a layaway plan like what is being asked for. You'd just put money aside and then pay it off.

[crunchyfrog]

Escrito originalmente por brian9824:

Escrito originalmente por crunchyfrog:

While true, and can be a problem, it's important not to tar everyone with the same brush.

Plenty of people DO use credit effectively and properly, and it's a good way for them to do things.

Though, for myself, I haven't used credit in decades.

Yeah but if you have that then you don't need a layaway plan like what is being asked for. You'd just put money aside and then pay it off.

Ern, not always.

For example, a distant friend of mine's wife worked in finance. She always used to buy stuff on credit card, using the conditions that were around at the time (I don't know if they still are a thing - as I said I don't use it) where if you paid off the bill in a certain time, no interest at all was applied.

So she simply had three credit cards and moved the money around each month if she wanted to go longer than she first envisaged. Most of the time she'd just use it to buy, then pay it back the next week.

You might think "why would you do that?" Simples - credit cards offer MORE protection than regular card purchases (at least here in Britain), as if you ever get in a situation where you have a dispute about a purchase and the retailer won't play ball, instead of suing them you can simply get the money back from the credit card company under the Credit Act.

[Brian9824]

Escrito originalmente por crunchyfrog:

Escrito originalmente por brian9824:

Yeah but if you have that then you don't need a layaway plan like what is being asked for. You'd just put money aside and then pay it off.

Ern, not always.

For example, a distant friend of mine's wife worked in finance. She always used to buy stuff on credit card, using the conditions that were around at the time (I don't know if they still are a thing - as I said I don't use it) where if you paid off the bill in a certain time, no interest at all was applied.

So she simply had three credit cards and moved the money around each month if she wanted to go longer than she first envisaged. Most of the time she'd just use it to buy, then pay it back the next week.

You might think "why would you do that?" Simples - credit cards offer MORE protection than regular card purchases (at least here in Britain), as if you ever get in a situation where you have a dispute about a purchase and the retailer won't play ball, instead of suing them you can simply get the money back from the credit card company under the Credit Act.

In which case again though you wouldn't need what was being asked for.

[crunchyfrog]

Escrito originalmente por brian9824:

Escrito originalmente por crunchyfrog:

Ern, not always.

For example, a distant friend of mine's wife worked in finance. She always used to buy stuff on credit card, using the conditions that were around at the time (I don't know if they still are a thing - as I said I don't use it) where if you paid off the bill in a certain time, no interest at all was applied.

So she simply had three credit cards and moved the money around each month if she wanted to go longer than she first envisaged. Most of the time she'd just use it to buy, then pay it back the next week.

You might think "why would you do that?" Simples - credit cards offer MORE protection than regular card purchases (at least here in Britain), as if you ever get in a situation where you have a dispute about a purchase and the retailer won't play ball, instead of suing them you can simply get the money back from the credit card company under the Credit Act.

In which case again though you wouldn't need what was being asked for.

Maybe not here, but I was responding to the post I addressed.

[Dingus]

hey just wanted to say you can get Paypal Pay in 3 service and then when you're in the checkout choose to pay with paypal. there's some kind of verification thing that you have to do to be able to use pay in 3 but once you do its interest free. i've used it a few times on larger purchases and as long as you're aware when the rolling payment is due it takes strain off of my wallet.

also just realised that you posted this in 2021 so you probably have already bought it lmao

[Reaper]

Escrito originalmente por Spawn of Totoro:

that or a loan, but it is kind of strange to take out a loan for such a device.

I've known people to take out personal loans at their bank or even against their 401k just because they wanted new rims for their car. I can easily believe someone would take out a loan for a console

[chrcoluk]

Easiest way and without an extra hit on your credit file is stick on a credit card, and then balance transfer to a 0% card to pay off at your leisure.

I have never seen a paypal credit option at 0%, it tends to be at trash rates if offered, a loan or paypal credit option is going to be a credit application on your credit file so more messy than using existing credit card.

If you dont have access to 0%, then 3 months on a credit card at something like 20% for £450 model would cost about £15 in interest assuming equal payments. So high APR isnt end of world if its paid off quickly. In fact that would be cheaper than a 0% interest 5% fee deal. Which could cost £22.50.

[crunchyfrog]

Escrito originalmente por chrcoluk:

Easiest way and without an extra hit on your credit file is stick on a credit card, and then balance transfer to a 0% card to pay off at your leisure.

I have never seen a paypal credit option at 0%, it tends to be at trash rates if offered, a loan or paypal credit option is going to be a credit application on your credit file so more messy than using existing credit card.

If you dont have access to 0%, then 3 months on a credit card at something like 20% for £450 model would cost about £15 in interest assuming equal payments. So high APR isnt end of world if its paid off quickly. In fact that would be cheaper than a 0% interest 5% fee deal. Which could cost £22.50.

Why the need to necro this post?

[Indokathan]

Abunda offers payment plans on Steam decks, looks like for around $14/mo, and they have payment plans and lease-to-own.

Just google steam deck payment plans or see here: https://www.shopabunda.com/s/steam-deck-payment-plan

[Maciexت]

Get it on eBay or something and pay with PayPal pay in 3...