This guide explains how a pay monthly PS5 works when you shop through our partner shop. Whether you call it PS5 on finance, PlayStation on credit or PS5 on credit, the idea is the same: choose the PlayStation gear you want, apply, and spread the cost with regular payments instead of paying everything upfront.
PS5 on finance
Buying a PS5 on finance means you apply with our partner shop and agree a payment plan for your console. The full terms, payment schedule and any conditions are shown at the partner shop before you commit, so you can read everything before you go ahead. Not sure which console to pick? Our PS5 on finance guide explains the disc, digital and Pro editions, and our PS5 disc vs digital page helps you decide whether you need a disc drive.
Pay monthly PS5
A pay monthly PS5 suits people who would rather make regular payments than save up for the whole amount. It is not just consoles, either. You can look at pay monthly PS5 controllers such as DualSense and DualSense Edge, PS5 headsets on finance for 3D audio and party chat, pay monthly PS VR2 for virtual reality, and pay monthly PS5 storage if your games library is outgrowing the built-in space.
No credit check
Our partner shop does not run a credit check when you apply. That is the feature: No Credit Checks. Instead of looking at your credit file, the partner shop uses your payment history with them. That is why first orders work slightly differently from repeat orders.
For a first order, the first four payments build payment history before dispatch. Repeat orders can be dispatched without that first-order waiting period, subject to the partner shop's terms.
You can read more on our PlayStation with No Credit Checks page and our first order guide.
PlayStation on credit
PlayStation on credit covers the whole PlayStation range, from the console itself to the extras that make it yours. Many players start with a console and a second controller, then add a headset or more storage later. Because repeat orders skip the first-order waiting period, adding to your setup later can be quicker, subject to the partner shop's terms.
PS5 on credit
PS5 on credit is another way people describe the same thing. Whichever phrase you use, the steps are simple. First, pick your gear using our guides. Second, apply with our partner shop, where your payments are set out clearly. Third, make your first four payments to build payment history. Then your order is dispatched.
Before you apply
Check which PS5 edition suits the games you play and the TV you own, think about how many games you want installed at once, and decide whether you need a second controller for local play. Read the partner shop's terms carefully and only commit to payments you are comfortable with. This shopping guide is part of the same group as our partner shops, and we may benefit when you shop through them.