Monthly payments on a pre-built streaming/recording PC?

[TheCrispiest]

Would it be worth it to make monthly payments on a PC used for streaming/recording and editing moderately demanding games? My PC went down recently, and looking at it, it'll take me over 5 months to save up for what I want, low pay, low hour job. And to put it in basics, I'm not patient enough to wait that long. If it would be worth it, where should I buy it from? I want a i7 6700(k), a GTX 1060(1070), 16 GB RAM, 240(50) GB SSD, and a 2 TB HDD. The rest is flexible, but I want what I have listed. Any and all help is appreciated!

 

[Wolfshadw]

Generally speaking, no. It's never worth it. What I'd probably look into is some sort of 0% financing for 6/12 months from someplace like Newegg (I think they may offer that). Just be damn sure you can actually pay it off 100% before the financing kicks in. If you can't, it's just not worth it.

-Wolf sends

 

[USAFRet]

Generally, no. Unless you have a credit card with good terms, a loan for a PC is a losing proposition.

What country are you in?
What would the monthly payments be, and for how long?
What would a price be on all those components now?

What part 'broke' on your existing system? It is almost surely cheaper to fix that first.

 

[DSzymborski]

Would it be worth it to make monthly payments on a PC used for streaming/recording and editing moderately demanding games? My PC went down recently, and looking at it, it'll take me over 5 months to save up for what I want, low pay, low hour job. And to put it in basics, I'm not patient enough to wait that long. If it would be worth it, where should I buy it from? I want a i7 6700(k), a GTX 1060(1070), 16 GB RAM, 240(50) GB SSD, and a 2 TB HDD. The rest is flexible, but I want what I have listed. Any and all help is appreciated!

If you're talking about payments on a credit card-type thing, then go ahead. One of those rent-to-own places? You'll likely pay $2500-$3000 in a year's worth of payments for a $1000 PC.

 

[superninja12]

PCPartPicker part list / Price breakdown by merchant

CPU: Intel Core i7-6700K 4.0GHz Quad-Core Processor ($324.95 @ Amazon)
CPU Cooler: CRYORIG A40 ULTIMATE 83.0 CFM Liquid CPU Cooler ($113.98 @ OutletPC)
Motherboard: Asus Z170-A ATX LGA1151 Motherboard ($150.99 @ SuperBiiz)
Memory: G.Skill Ripjaws V Series 16GB (2 x 8GB) DDR4-2666 Memory ($66.99 @ Newegg)
Storage: Samsung 850 EVO-Series 250GB 2.5" Solid State Drive ($95.00 @ B&H)
Storage: Seagate Barracuda 2TB 3.5" 7200RPM Internal Hard Drive ($73.80 @ OutletPC)
Video Card: EVGA GeForce GTX 1070 8GB FTW DT GAMING ACX 3.0 Video Card ($404.99 @ SuperBiiz)
Case: Phanteks ECLIPSE P400S ATX Mid Tower Case ($69.99 @ Newegg)
Power Supply: EVGA SuperNOVA G2 550W 80+ Gold Certified Fully-Modular ATX Power Supply ($82.99 @ SuperBiiz)
Total: $1383.68
Prices include shipping, taxes, and discounts when available
Generated by PCPartPicker 2016-10-16 17:18 EDT-0400

 

[1LiquidPC]

First off, what is actually wrong with your current PC? I'd consider this before a payment plan on a new PC. Usually, the interest on the payments are something to be looked at closely.

 

[TheCrispiest]

Okay, sorry for the wait. First off, thanks to Wolf, didn't even know Newegg did that. Especially with the DIY section, it's exactly what I'm looking for. Secondly, to answer all questions, my PC's HDD crashed, but to be honest it simply wasn't up to par with any game. It could barely hit 40 FPS on CS:GO at the lowest settings. So I'm looking for an upgrade. I'm in the U.S. of A, Iowa to be exact. Payments: With the $1200 PC that's fitting my needs, the $100/month for 12 months works very nicely. But I really am considering going with the PPM Newegg plan because of the 0% interest.

 

[USAFRet]

Okay, sorry for the wait. First off, thanks to Wolf, didn't even know Newegg did that. Especially with the DIY section, it's exactly what I'm looking for. Secondly, to answer all questions, my PC's HDD crashed, but to be honest it simply wasn't up to par with any game. It could barely hit 40 FPS on CS:GO at the lowest settings. So I'm looking for an upgrade. I'm in the U.S. of A, Iowa to be exact. Payments: With the $1200 PC that's fitting my needs, the $100/month for 12 months works very nicely. But I really am considering going with the PPM Newegg plan because of the 0% interest.

Apart from a possible 0% from Newegg, where are you looking at that will give you $1,200 of parts for $100/month for 12 months?
What monthly payment place were you originally looking at?

 

[TheCrispiest]

Well, there really weren't too many places I was originally looking at since I knew that a lot of places would cost a ton extra for PPM. That also means that I had no original payment price. Also, side question. Anybody know if I have to have to Newegg credit card for the monthly payments, or does it work on all cards?

 

[Wolfshadw]

I'm pretty sure that would be a Newegg Store Credit Card.

-Wolf sends

 

[USAFRet]

Well, there really weren't too many places I was originally looking at since I knew that a lot of places would cost a ton extra for PPM. That also means that I had no original payment price. Also, side question. Anybody know if I have to have to Newegg credit card for the monthly payments, or does it work on all cards?

Then there is no answer to this:
"Would it be worth it to make monthly payments on a PC..."

Unless there are actual numbers, 'worth it' cannot be determined.

In general, though....anything you might find would be less beneficial than a regular credit card. And if you cannot get one of those, for whatever reason, you probably can't get any 0% financing from Newegg.