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Argos - Buy now pay later

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Post Options Post Options   Thanks (0) Thanks(0)   Quote irishmufc Quote  Post ReplyReply Direct Link To This Post Topic: Argos - Buy now pay later
    Posted: 01 Nov 2014 at 4:55pm
Thinking of getting a PS4 but can't pay it in the one go. Just finished paying off a credit union loan and got a letter confirming it. I'm paying off an old Vodafone bill pay contract every week with one of their credit management (debt collector) crowds so will I get refused if I go in and enquire? I've also an overdrawn student bank account of €650.

I assume they probably won't give it to me. Anyone ever done this buy now pay later craic?
Wings? They're only the band The Beatles could have been.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote bhob Quote  Post ReplyReply Direct Link To This Post Posted: 01 Nov 2014 at 4:59pm
Whats the rush? Why don't you save and also pay off your outstanding bills instead of putting yourself in more debt?
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Post Options Post Options   Thanks (0) Thanks(0)   Quote t_rAndy Quote  Post ReplyReply Direct Link To This Post Posted: 01 Nov 2014 at 5:00pm
Originally posted by irishmufc irishmufc wrote:

Thinking of getting a PS4 but can't pay it in the one go. Just finished paying off a credit union loan and got a letter confirming it. I'm paying off an old Vodafone bill pay contract every week with one of their credit management (debt collector) crowds so will I get refused if I go in and enquire? I've also an overdrawn student bank account of €650.

I assume they probably won't give it to me. Anyone ever done this buy now pay later craic?
 
They'll do a credit check on you. With electrical goods I'd imagine they would be even stricter on giving credit then say a credit union would be giving you a small loan.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote SuperDave84 Quote  Post ReplyReply Direct Link To This Post Posted: 01 Nov 2014 at 5:16pm
Get yourself out of debt first. Fire the money you would pay towards the PS4 into the credit union and you'll be able to afford it in no time.

Whatever about the vodafone bill (which they probably aren't charging interest or penalties on) or the (presumably interest free) student overdraft, the argos deal presumably involves hefty enough interest. I wouldn't touch it, anyway. You'll only be paying a fortune in the long run.

Just checked. 22.99% apr. If you really want one, and don't want to wait, get a loan from the credit union. It'll be far cheaper.


Edited by SuperDave84 - 01 Nov 2014 at 5:17pm
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Post Options Post Options   Thanks (0) Thanks(0)   Quote devondudley Quote  Post ReplyReply Direct Link To This Post Posted: 01 Nov 2014 at 5:53pm
as said above pay off debt first, why put yourself in more debt for a ps4. just on a side note has anyone seen the apr on wonga and other payday loan crowdsConfused
But fumble in a greasy till

And add the halfpence to the pence

And pray to shivering prayer, until

You have dried the marrow from the bone.

W. B. Yeats, September 1913
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Post Options Post Options   Thanks (0) Thanks(0)   Quote theheff1989 Quote  Post ReplyReply Direct Link To This Post Posted: 01 Nov 2014 at 6:10pm
PS4 is a luxury item and is something you can do without. Pay off you debts first before getting one.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote theheff1989 Quote  Post ReplyReply Direct Link To This Post Posted: 01 Nov 2014 at 6:12pm
Never a big one of buy now and pay later always rather save the money and pay it when I have it.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote irishmufc Quote  Post ReplyReply Direct Link To This Post Posted: 01 Nov 2014 at 6:30pm
PES 2015 is out on the 11th of November so would like to have it for that.

I actually got a job yesterday but not starting it until Monday week. So I'd have the PS4 paid fully for within 6 weeks as my first two full week wages will have it paid for anyway. The credit union probably won't give me a loan as I've only just paid back one and I've shag all in the account and the usually only loan double what you have in your account. I suppose I could ask them for a 400 loan and show them proof that I've gotten a full time job.

Edited by irishmufc - 01 Nov 2014 at 6:30pm
Wings? They're only the band The Beatles could have been.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote SuperDave84 Quote  Post ReplyReply Direct Link To This Post Posted: 01 Nov 2014 at 6:56pm
Leave it and live within your means for a few weeks. You won't be able to spend all your wages on it, you'll need to spend money on life.

Well, that, and getting the bus to Dublin to spend €5 on nights out.

PES isn't worth going into debt over.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote devondudley Quote  Post ReplyReply Direct Link To This Post Posted: 01 Nov 2014 at 7:00pm
a loan from the credit union for 400 euro for a ps4 is crazy in so many ways, if you have a job cant you just wait a few weeks and buy it, what age are you if you dont mind me asking? thats like something i would have considered when i was 16/17 
But fumble in a greasy till

And add the halfpence to the pence

And pray to shivering prayer, until

You have dried the marrow from the bone.

W. B. Yeats, September 1913
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Post Options Post Options   Thanks (1) Thanks(1)   Quote irishmale0399 Quote  Post ReplyReply Direct Link To This Post Posted: 01 Nov 2014 at 7:10pm
Go to work first.....save your bloody money and read a few newspapers or books until you have paid your debts off with Vodafone and saved for luxury. If you have arranged a repayment plan with the Vodafone debt collectors and default they will take you to the cleaners.

Simple question........do you need the PS4 to live or to get to your new job, Will it pay your rent, put food on your table and take you off the dole??? If not then you dont need a feckin loan to get one, put your time into making a good impression in the new job so that you can keep it. Jobs are hard enough to get.......
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Post Options Post Options   Thanks (0) Thanks(0)   Quote t_rAndy Quote  Post ReplyReply Direct Link To This Post Posted: 01 Nov 2014 at 7:43pm
Defo wait til you get the money up now you have a job too. Would love to only have to worry about whether I get a PlayStation 4 next week or next month.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote ABFC Quote  Post ReplyReply Direct Link To This Post Posted: 01 Nov 2014 at 7:46pm
There's lots of things i'd love to get but can't afford. I wouldn't be taking out a loan to get a bleedin ps4 either
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Trap for Pope Quote  Post ReplyReply Direct Link To This Post Posted: 01 Nov 2014 at 8:32pm
WUM?
Living for Away days
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Post Options Post Options   Thanks (0) Thanks(0)   Quote irishmufc Quote  Post ReplyReply Direct Link To This Post Posted: 01 Nov 2014 at 8:43pm


I'm just an impatient prick and want to get it this week. It's probably not worth the hassle though.

I wanted to celebrate getting the job with a treat for myself this week but wish I hadn't asked now.


Edited by irishmufc - 01 Nov 2014 at 8:43pm
Wings? They're only the band The Beatles could have been.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote nvidic Quote  Post ReplyReply Direct Link To This Post Posted: 01 Nov 2014 at 9:12pm
Wanted a ps4 before myself, got a ps3 with eleven games for e110 instead as that's what I could afford, madness to buy it until you have the cash
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Post Options Post Options   Thanks (0) Thanks(0)   Quote HateHenry Quote  Post ReplyReply Direct Link To This Post Posted: 01 Nov 2014 at 9:38pm
buy a football and go out and kick sh*t out of it... how can life quality be superceded by a computer game?!!
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Green Devil Quote  Post ReplyReply Direct Link To This Post Posted: 01 Nov 2014 at 9:45pm
Originally posted by SuperDave84 SuperDave84 wrote:

Leave it and live within your means for a few weeks. You won't be able to spend all your wages on it, you'll need to spend money on life.

Well, that, and getting the bus to Dublin to spend €5 on nights out.

PES isn't worth going into debt over.

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