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.
Before financing a PS5 Pro, see our full specs comparison — PS5 Pro vs PS5 Slim vs PS4 Pro: full specs, prices, and should you upgrade? — to confirm the Pro is the right model for your setup before committing to a payment plan.
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 if paid on time). A soft credit check is performed that does not affect your credit score. 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. No hard credit check required.
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 includes 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 hard 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 over 12 months
- 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 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 only 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. No credit check is typically required, making this the most accessible option for buyers with poor or no credit history. However, the total cost is significantly higher than any other option.
Aaron’s
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
Rent-A-Center
Rent-A-Center’s structure is similar to Aaron’s — weekly or monthly payments with ownership after completing the agreement. Rent-A-Center also sometimes offers an early payoff discount — you can purchase the console outright at a reduced amount before the agreement ends.
- Weekly payment: approximately $20-30/week
- Monthly payment: approximately $80-100/month
- Total cost over 12 months: approximately $960-$1,200
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 (if paid on time) |
| PlayStation Card 0% APR | ~$58.33/month | $699.99 (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 immediately 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: Walmart offers layaway for some products — you make payments and receive the item when fully paid
If you have any credit history at all, Klarna or Afterpay Pay in 4 (soft credit check, low approval bar) is a dramatically better deal than Aaron’s or Rent-A-Center for the same console. The no-credit-check rent-to-own path is the most expensive option by a significant margin.
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 current promotions.
- PS5 Pro cost: $699.99
- PS5 Slim trade-in credit: ~$250 (varies by condition and promotion)
- 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 (up to +$50 trade-in credit for upgrade purchases) are frequently available.
Should You Buy a PS5 Pro Right Now?
PS5 Pro is available at retail price at most major retailers in 2026 without shortage or scalper premium. Key factors:
- PS6 timeline: the PS6 is estimated for 2027-2028 at earliest and has not been officially announced. Buying a PS5 Pro in 2026 gives you 18+ months of gaming before any potential next-gen alternative
- Current game library: PS5’s 2024-2026 release slate includes major titles — Black Myth: Wukong, Astro Bot, Assassin’s Creed Shadows, Ghost of Yotei, and more — that benefit from PS5 Pro’s enhanced performance
- Price outlook: the PS5 Pro is unlikely to drop significantly before 2027
For PS5 Pro enhanced games that justify the upgrade, see our guide to the best PS5 Pro enhanced games 2026 — covering which titles see the biggest visual and performance improvements on PS5 Pro hardware.
Buy the PS5 Pro directly from Sony at PlayStation Direct (official Sony store). For Affirm 0% APR financing on PS5 Pro, see Best Buy PS5 Pro with Affirm financing.
Klarna vs Afterpay vs Affirm: Which Is Better for PS5 Pro?
All three BNPL services are legitimate and widely used, but they suit different situations:
• Klarna Pay in 4: Best for buyers who want the simplest option — four equal payments, no interest, soft credit check. Available at the most US retailers. The default choice for most PS5 Pro BNPL buyers.
• Afterpay: Functionally identical to Klarna Pay in 4. Choose based on which is available at your preferred retailer — if Best Buy is your store, Klarna; if Target is your store, Afterpay.
• Affirm: Best for buyers who want lower monthly payments spread over 12 months. The 0% APR promo at Best Buy is the standout option — same total cost as paying outright but only ~$58/month. Requires a hard credit check.
For most buyers: Klarna or Afterpay Pay in 4 is the simplest, fastest, and lowest-risk option. Affirm at 0% APR is the better choice only if spreading payments over 12 months is important to you and you are comfortable with the hard credit check.
PS5 Slim vs PS5 Pro: Which Should You Finance?
Before committing to financing a $699.99 PS5 Pro, consider whether the PS5 Slim at $449.99 meets your needs. The PS5 Pro’s advantages over the Slim are meaningful but specific:
• PS5 Pro advantages: PS5 Pro Enhanced mode on supported titles — higher resolution, better ray tracing, improved frame rates. The PSSR (PlayStation Spectral Super Resolution) upscaling system. A larger GPU with significantly more compute units.
• PS5 Slim advantages: $250 cheaper. Same game library. Same online multiplayer access. Same PS Plus compatibility. If you play on a 1080p TV, the Pro’s visual improvements are largely invisible.
• Recommendation: If you play on a 4K TV and want the best visual performance on PS5 Pro Enhanced titles, the Pro is worth the extra cost. If you play on a 1080p or 1440p display, the PS5 Slim at $449.99 is the better value — and $250 less to finance.
PS5 Pro Payment Plan: Step-by-Step at Best Buy
Best Buy is the most recommended retailer for PS5 Pro financing due to its consistent Affirm 0% APR promotions. Here is the process:
• Step 1: Add PS5 Pro to your cart at bestbuy.com or in-store
• Step 2: At checkout, select Affirm as your payment method
• Step 3: Check available financing offers — look for 0% APR for 12 or 18 months on purchases over $499
• Step 4: Complete Affirm’s application — hard credit check required; decision is instant
• Step 5: If approved, select your preferred term length and monthly payment amount
• Step 6: Complete purchase — your PS5 Pro ships or is available for pickup; Affirm payments begin the following month
If the 0% APR offer is not currently active at Best Buy, check back during major sale events — Black Friday, Memorial Day, Labor Day, and Best Buy’s own promotional periods are when 0% APR financing promotions are most likely to appear.
Whether you choose Klarna for simplicity, Affirm for 12 equal monthly payments, or PlayStation Direct financing through the Sony Card, the critical rule is the same: BNPL and 0% APR financing cost exactly the same as paying outright — as long as you pay on time and within the promotional window.
Rent-to-own through Aaron’s or Rent-A-Center costs significantly more and should be a last resort only if no credit-based option is available to you. For the vast majority of buyers, Klarna Pay in 4 or Affirm at 0% APR through Best Buy are the two options worth serious consideration — both offer the PS5 Pro at its $699.99 retail price split into manageable payments with no added cost.
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 with 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 and Rent-A-Center both offer the PS5 Pro for rent-to-own with no credit check 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 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 use soft credit checks only with a low approval bar. 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 with no interest. 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.
