The PS5 Pro costs $699.99 for the digital edition — add $79.99 for the disc drive add-on and you are looking at $779.98. For many buyers, that is a significant upfront cost. The good news: multiple financing, buy now pay later, and rent-to-own options exist for the PS5 Pro across major retailers. The important caveat: not all of these options represent equal value. Rent-to-own in particular can cost 2-3x the retail price over the full term.
This guide covers every realistic payment option for a PS5 Pro in 2026 — with the real total cost of each so you can make an informed decision.
PS5 Pro Price: What You Are Financing
| PS5 Pro Configuration | Price |
| PS5 Pro Digital (standard) | $699.99 |
| PS5 Pro Disc Drive Add-on | $79.99 |
| PS5 Pro with Disc Drive (total) | $779.98 |
| Extra DualSense controller | $74.99 |
| PS5 Pro + Disc + Extra Controller | $854.97 |
Buy Now Pay Later (BNPL) for PS5 Pro
Buy Now Pay Later services split your purchase into installments — typically 4 equal payments over 6-8 weeks, or longer monthly installments with possible interest. BNPL is available at several major PS5 Pro retailers.
Klarna (Pay in 4)
Klarna’s Pay in 4 splits the PS5 Pro purchase into four equal payments of approximately $175 each, made every two weeks. Total cost: $699.99 (same as retail — no interest). A soft credit check is performed. Available at Best Buy, Walmart, and other major retailers that carry PS5 Pro.
- Total cost: $699.99 (no added fees if paid on time)
- Payments: ~$175 every 2 weeks for 6 weeks (4 payments total)
- Credit check: soft check only — does not affect credit score
- Late fees: up to $7 per missed payment
Afterpay (Pay in 4)
Afterpay operates identically to Klarna’s Pay in 4 — four equal payments every two weeks with no interest if paid on time. Available at Best Buy, Target, and other Afterpay partner retailers. Same late fee structure as Klarna.
Affirm
Affirm offers longer-term monthly financing (3-36 months) with APR ranging from 0% to 36% depending on creditworthiness. Best Buy frequently runs Affirm promotions at 0% APR for 12-18 months on purchases over $499, which would include the PS5 Pro. At 0% APR for 12 months, the PS5 Pro costs $699.99 / 12 = approximately $58.33 per month with no interest. A credit check is required.
- 0% APR option (when promoted): ~$58.33/month for 12 months — total cost $699.99
- Standard APR: 10-30% depending on credit — adds $35-$105+ in interest
- Credit check: hard check required — affects credit score
Best Retailers With BNPL for PS5 Pro
| Retailer | BNPL Options | Notes |
| Best Buy | Affirm (0% APR promos), Klarna | Best 0% APR deals; check current promotions |
| Walmart | Klarna, Affirm | Available online and in-store |
| Target | Afterpay | In-store and online |
| GameStop | Afterpay, Klarna | Also offers trade-in credit toward PS5 Pro |
| Amazon | Affirm | Available on PS5 Pro listings |
| PlayStation Direct | Sony Card (0% APR offer) | Official Sony store; Citi Bank card option |
PlayStation Direct 0% APR Financing
PlayStation’s official store (direct.playstation.com) offers financing through the PlayStation Card (issued by Citi Bank). New cardholders have received 0% APR promotional offers on PS5 Pro purchases — typically 12 months of interest-free payments. At 0% APR for 12 months, the PS5 Pro costs approximately $58.33 per month.
After the promotional period, standard APR applies (typically 25-30% for retail cards). If you carry a balance after the 0% promotional period ends, interest charges are applied retroactively in some card agreements — read the terms carefully. This financing is best used if you can pay off the full balance within the 0% promotional window.
Rent-to-Own PS5 Pro: Aaron’s and Rent-A-Center
Aaron’s and Rent-A-Center both carry the PS5 Pro for rent-to-own. This means you pay a weekly or monthly fee and own the console after completing all payments. No credit check is typically required, making this the most accessible option for buyers with poor or no credit history.
Aaron’s (aarons.com)
Aaron’s typically offers the PS5 Pro on 12-18 month lease-to-own agreements. Based on current Aaron’s pricing structures for comparable gaming consoles:
- Weekly payment: approximately $25-35/week
- Monthly payment: approximately $90-110/month
- Total cost over 12 months: approximately $1,080-$1,320
- Total cost over 18 months: approximately $1,620-$1,980
Aaron’s pricing varies by location and current promotions. Check aarons.com or visit your local Aaron’s store for the exact PS5 Pro payment terms available in your area.
Rent-A-Center (rentacenter.com)
Rent-A-Center’s structure is similar to Aaron’s — weekly or monthly payments with ownership after completing the agreement. Typical RAC pricing for gaming consoles in this price range:
- Weekly payment: approximately $20-30/week
- Monthly payment: approximately $80-100/month
- Total cost over 12 months: approximately $960-$1,200
Rent-A-Center also sometimes offers an early payoff discount — you can purchase the console outright for a reduced amount before the agreement ends. Ask about this option at sign-up.
True Cost Comparison: Every Option Side by Side
| Option | Monthly Payment | Total Cost |
| Pay outright | N/A | $699.99 (lowest total) |
| Klarna Pay in 4 | ~$175 x2/month for 3 months | $699.99 (no extra cost) |
| Afterpay | ~$175 x2/month for 3 months | $699.99 (no extra cost) |
| Affirm 0% APR (12 months) | ~$58.33/month | $699.99 total (if paid on time) |
| PlayStation Card 0% APR | ~$58.33/month | $699.99 total (if paid in promo period) |
| GameStop trade-in + BNPL | Reduced (credit applied) | Depends on trade-in value |
| Aaron’s (12 months) | ~$100/month | ~$1,200 total (71% more than retail) |
| Rent-A-Center (12 months) | ~$90/month | ~$1,080 total (54% more than retail) |
| Aaron’s (18 months) | ~$95/month | ~$1,710 total (144% more than retail) |
The key takeaway: BNPL options (Klarna, Afterpay) and 0% APR financing (Affirm, PlayStation Card) cost the same as buying outright if paid on time. Rent-to-own options (Aaron’s, Rent-A-Center) cost 54-144% more than retail price. Rent-to-own makes sense only if you cannot qualify for any credit-based option and want the console now without a credit check.
PS5 Pro No Credit Check Options
Buyers with poor or no credit history have limited options:
- Aaron’s: no credit check required for most rent-to-own agreements; requires ID, bank account, and proof of income
- Rent-A-Center: no credit check required; similar requirements to Aaron’s
- Klarna / Afterpay: soft credit check only — does not affect credit score and has a low approval bar compared to traditional financing
- Prepaid debit cards + layaway: some retailers offer informal layaway where you make payments and receive the item when paid off — Walmart offers layaway for some products
The no-credit-check rent-to-own path is the most expensive. If you have any credit history at all, Klarna or Afterpay Pay in 4 (soft credit check, low bar) is a far better deal than Aaron’s or Rent-A-Center for the same console.
GameStop Trade-In + BNPL: Reducing the Upfront Cost
If you own a PS5 Slim or base PS5, trading it in at GameStop can significantly reduce the effective cost of a PS5 Pro. As of 2026, GameStop trade-in values for PS5 models range from approximately $200-$280 depending on condition and model. Combined with Afterpay or Klarna for the remainder:
- PS5 Pro cost: $699.99
- PS5 Slim trade-in credit: ~$250 (varies by condition and promo)
- Net cost: ~$450
- Afterpay on remaining $450: ~$112.50 every two weeks for 6 weeks
Check GameStop’s current trade-in promotion at gamestop.com before visiting — trade-in values vary and promotional bonuses (+$50 trade-in credit for upgraded purchases) are frequently available.
Should You Buy a PS5 Right Now?
PS5 Slim availability is consistent in 2026 — no shortage, no scalper premium. PS5 Pro is available at retail price at most major retailers without needing to wait. The decision to buy now versus wait depends on:
- PS6 timeline: the PS6 is estimated for 2027-2028 at earliest and not officially announced. Buying a PS5 Pro or Slim in 2026 gives you 18+ months of gaming before any potential next-gen alternative
- Current game library: PS5’s 2024-2026 release slate includes many major titles (Black Myth: Wukong, Astro Bot, AC Shadows, Ghost of Yotei, and more) that are best experienced on current PS5 hardware
- Price outlook: the PS5 Slim has not received a meaningful price cut since launch; the PS5 Pro is unlikely to drop significantly before 2027
See our full comparison of PS5 Pro vs PS5 Slim vs PS4 Pro including specs and upgrade recommendations at PS5 Pro vs PS5 Slim vs PS4 Pro comparison.
For PS5 Pro Enhanced games that justify the upgrade, see our guide to best PS5 Pro enhanced games 2026.
Buy the PS5 Pro directly from Sony at PlayStation Direct — official Sony store with PlayStation Card 0% APR financing available.
Bottom Line
| PS5 Pro price | $699.99 (digital); $779.98 with disc drive |
| Best 0% APR option | Affirm at Best Buy (12-18 months, 0% APR promos) |
| Best no-credit BNPL | Klarna or Afterpay Pay in 4 (soft check only; same total cost) |
| Rent-to-own (Aaron’s / RAC) | No credit check; total cost 54-144% more than retail |
| Cheapest total cost | Pay outright or Klarna/Afterpay (both $699.99 total) |
| No credit check | Aaron’s or Rent-A-Center; significantly more expensive |
| Trade-in option | GameStop: PS5 Slim worth ~$200-280 credit toward PS5 Pro |
Frequently Asked Questions
Can I buy a PS5 Pro with buy now pay later?
Yes. Klarna and Afterpay Pay in 4 are available at Best Buy, Walmart, GameStop, and Target — splitting the $699.99 into four payments of approximately $175 every two weeks with no interest if paid on time. Affirm offers longer monthly financing (0% APR promotional offers available at Best Buy). All require at minimum a soft credit check.
Can I rent to own a PS5 Pro?
Yes. Aaron’s (aarons.com) and Rent-A-Center (rentacenter.com) both offer the PS5 Pro for rent-to-own. No credit check is typically required. Weekly payments are approximately $25-35 (Aaron’s) or $20-30 (RAC). The total cost over a 12-month agreement is approximately $1,080-$1,320 — 54-89% more than the $699.99 retail price. Rent-to-own is convenient but significantly more expensive than any credit-based financing option.
Can I get a PS5 Pro with no credit check?
Yes, through Aaron’s or Rent-A-Center rent-to-own (no credit check required, proof of income and bank account needed). Klarna and Afterpay also have very low approval bars and use soft credit checks only (no credit score impact). If you have any active bank account, Klarna Pay in 4 is almost always achievable and costs dramatically less than rent-to-own.
How much is the PS5 Pro monthly payment?
Depends on the financing method: Affirm at 0% APR for 12 months = ~$58.33/month. Aaron’s rent-to-own = approximately $90-110/month but total cost is 54-89% higher than retail. Klarna/Afterpay Pay in 4 = ~$350/month for 2 months (4 payments of $175 bi-weekly). The PlayStation Card 0% APR promotional offer is approximately $58.33/month for 12 months.
