A question about finance

[Albion]

Made a new account since I wanted to ask this since it's the weekend and I'm impatient.

I'm looking to upgrade my old, dying GTX 1080ti PC after around 10 years of life. Bought it from PCS and not had any problems with it over that long lifetime. Doubly so considering I was fairly lax with cleaning it and poured the occasional drink into it by accident. But since I can see the GPU is starting to fail now, it's time to upgrade. Since I'm very happy with how long my old rig has lasted, I'll buy from PCS again.

But I'm going with a fairly chunky budget of £4-5,000 this time. Aiming for a GTX 5090. I know fine well that it'd be overkill considering I'm still on 1080p and have no plans to go higher. But it's more to ensure I have a decent rig for the next 10 years, too.

However, I want to purchase it through finance since I've saved for a bit but my now clearly dying old PC may not last until I have the full amount.

Right now, I have around £4,000 to put towards my new PC. And I have every intention of paying off any outstanding balance well before 12 months. But I'm currently in a temp job. 40 hours a week and fairly decently paid for what I do, but I'm unsure if that satisfies the requirement of 'permanent employment'. Would that be an issue for getting the remaining £1,000 on finance or not?

Any advice helps.

 

[TonyCarter]

No need to put anything on finance. £2.5k will get you a great 1440p build, and you’d have cash for a 1440p OLED too.

Buying a 5090 for 1080p is not future-proofing. It’s simply throwing money away.

It would be better to save £1500-£2000 and buy a 5070/5070ti and use the saving to buy another 70/80 class GPU in 3-4 years time and again in 6-7 years...as that’s all you’d need to upgrade your computer over all that time (assuming the initial build is well specced, and you simply add/upgrade SSD storage as you need it).

Of course I’d also stay clear of any 5090 at the moment until they sort out their power stages, power draw, melty, and pricing problems..

 

[Scoped Badger]

From the PCS Finance page:

"Be in permanent paid employment (over 16 hours per week), retired and receiving a pension or self-employed."

I'd argue with that budget, you won't need finance. You'll be able to buy a top-tier PC and a new monitor for that money. Believe me, you don't want to be stuck at 1080p.