Pay over time at META PCs

META PCs sells prebuilt and custom gaming PCs built locally in Arizona. We confirmed Bread Pay, Affirm, Shop Pay Installments, Progressive Leasing, Katapult and PayTomorrow here.

Ways to pay over time

Options and terms can change and depend on your credit. Confirm at checkout before you accept.

Pay later

Bread Pay

Store offer
As low as 0% APR are available on qualifying purchases
Minimum purchase
Often $50
Plan lengths
3, 6, 12, or 36 months
APR
0% to 34.99%
Credit check
Soft to check your rate

Checked Nov 9, 2026 We saw Bread Pay at the store’s checkout

Store offer, minimum and plan lengths are from META PCs’s website. APR and credit check are Bread Pay’s general terms.

Pay later

Affirm

Minimum purchase
Often $50
APR
0% to 36%
Credit check
Won't affect your score

Checked Nov 10, 2026 Affirm is set up on the store’s website

Store offer, minimum and plan lengths are from META PCs’s website. APR and credit check are Affirm’s general terms.

Pay later

Shop Pay Installments

Minimum purchase
$50 for Pay in 4
APR
0% to 36%
Credit check
No impact to apply

Checked Nov 10, 2026 We saw Shop Pay Installments at the store’s checkout

Store offer, minimum and plan lengths are from META PCs’s website. APR and credit check are Shop Pay Installments’s general terms.

Lease-to-own

Progressive Leasing

Cost
More than cash price
Credit check
No credit needed

Checked Nov 10, 2026 We saw Progressive Leasing at the store’s checkout

Store offer, minimum and plan lengths are from META PCs’s website. Cost and credit check are Progressive Leasing’s general terms.

Lease-to-own

Katapult

Cost
More than cash price
Credit check
No hard inquiry

Checked Nov 10, 2026 We saw Katapult at the store’s checkout

Store offer, minimum and plan lengths are from META PCs’s website. Cost and credit check are Katapult’s general terms.

Loans and lease-to-own

PayTomorrow

Cost
0% to 16% APR or lease cost
Credit check
Soft to see offers

Checked Nov 11, 2026 We saw PayTomorrow at the store’s checkout

Store offer, minimum and plan lengths are from META PCs’s website. Cost and credit check are PayTomorrow’s general terms.

Takes PayPal

PayPal (Pay Later inside PayPal)

META PCs takes PayPal at checkout. We didn't see Pay Later advertised on its site, but for eligible US orders Pay in 4 usually shows inside the PayPal window. Check there before you rely on it.

Checked Nov 10, 2026

What a plan could cost

Example: Dell Inspiron 15 3520 at $499.00 (price on Nov 11, 2026), paid monthly over 12 months with Bread Pay financing, where the store offers it.

Shop Pay Installments Pay in 4: 4 payments of $124.75 every 2 weeks, with no interest if you pay on time.

APRMonthlyTotal paidInterest
0%$41.58$499.00$0.00
19.99%$46.22$554.67$55.67
34.99%$49.88$598.55$99.55

For illustration only, before tax and shipping. Your APR depends on your credit and the plan. META PCs advertises a 0% APR offer, but not everyone qualifies.

How to pay over time at META PCs

  1. Add what you want to your cart on metapcs.com.
  2. At checkout, choose Bread Pay, Affirm, Shop Pay Installments, Progressive Leasing, Katapult or PayTomorrow. Shop Pay Installments shows as Shop Pay: choose it, then pick installments.
  3. Each one runs its own check. The cards above show which use a soft check and which can affect your credit.
  4. Compare the plans and the total cost, then accept only if the total works for you.

Questions about META PCs financing

Does META PCs offer financing?

Yes. We confirmed Bread Pay, Affirm, Shop Pay Installments, Progressive Leasing, Katapult and PayTomorrow at META PCs on Nov 11, 2026. Options can change, so check at checkout before you buy.

Does META PCs offer 0% APR?

META PCs mentions this offer on its website: As low as 0% APR are available on qualifying purchases. Whether you get it depends on your credit and the plan you choose. Check the APR before you accept.

Will checking my rate at META PCs affect my credit score?

Checking your rate with Bread Pay is a soft check and does not affect your credit score. If you accept a loan, it may be reported to credit bureaus.

Can I use Bread Pay in a META PCs store?

We checked online shopping at META PCs only. If the store has physical locations, ask there whether financing is available.

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