Should I finance a Switch 2? 37 a month for a free Switch is pretty good

Should I finance a Switch 2? 37 a month for a free Switch is pretty good

sheeeeeeit i klarna everything homie

being in debt and paying money = "free"

American education.

computer that cant read email

just buy it, are you poor or something?

A finance plan is fine, but only if it is truly interest free. Otherwise it would make more sense to save up the cash.

This

The shitch 2 wont be getting any good games any time soon so I dont understand why anyone would be in a rush to buy one

Kiwifarms won

37.50 times 12 is literally 450

I was refering to the star *

37 a month for a free Switch

i dont get it
if you know you're going to pay it in full eventually, why cant you just pay for it in full now

So you have more money to invest right now in other financial areas... yeah right.

I keep seeing people say these payment plans where you pay nothing extra are bad but I don't see why
Is it because you don't pay it in full straight away you feel like you got the item for basically nothing and it pushes you into making more purchases?

yes

I'm a poorfag and I got a PC thanks to one of these payment plans. I can't afford to just straight up buy one

Wait, seriously, people actually buy retail products through financing? I thought it was a meme.

Many people live from paycheck to paycheck with less than $1000 on their bank account.

i personally don't because i dont like to keep track of a bunch of monthly payments for things but it makes sense mathematically if there's zero interest

muh paycheck to paycheck

You people are all retards for not understanding that living paycheck to paycheck is GOOD.
You are SUPPOSE to engage in the economy and grow the GDP.
Why do you think America is so economically strong? Because so many people know that money has to go through the system for it to grow.

If it's absolutely ZERO fucking interest and you pay no additional fees, 0% APR, then sure finance it all you want.

free

They're waiting for the inevitable price drop when Nintendo will provide early adopters with a free game.

if your shower breaks you don't clean yourself for a month

American mentality.

I think most people living paycheque to paycheque aren't making money to splurge in the first place.

And they live like that because they finance everything / have debt. I buy things with money I've saved

You can clean yourself after work, or at a friend's house or at church. It's called a community.

They absolutely do. Why do you think superstores and other American giants are killing it right now?

Saving is not economically progressive, and it's why you live in a shithole.

You can clean yourself after work, or at a friend's house or at church.

Or the beach or the public pool or a restaurant's sink.

You're totally going to invest it all and get returns that exceed your interest

I love seeing this claim. Nothing makes a certain demographic madder than seeing you buy shit up front rather than financing it.

37 a month

free

lol what?

I literally live in the richest high-trust country on the planet.

I don't understand who would pay 40 bucks a month for a console with 0 games.

it's healthy to be in a little bit of debt at any given time

money gets less valuable over time so basically yea

Why is everything the same old shit? at least wii u had splatoon and switch had arms

I mean literally what is the advantage of paying it all up front?

On a societal level? Yes, there are statistical advantages such as increase economic drive on large populations when said population is in debt.
On an individual level? No, the person who is in debt will often feel more stressed out which may actually hinder economic drive.

You pay less overall.

mario kart world, donkey kong bananza and kirby air riders are not ports and if you believe so then you are brown

BUT HECKIN MARIO KARTERINOOOO

Just save, dude. Financing stuff comes back to bite you.

Financing is only really a problem if you know you can't afford it. Because that's when it starts to build, and often at borderline-criminal rates too, which is what bites people in the ass.
It's when you fuck up and forget a bill that financing becomes expensive.

t. bought my refrigerator through financing for 10% off, came home, paid it all down the same day, literally just got a 10% cheaper refrigerator

10%

When you can get it -cheaper- through financing it's because they're counting on people fucking up and making money on those people. It's kinda scummy but good for you for getting a good deal I suppose. Fridges cost a fucking lot if you want a nice one.

at least wii u had splatoon and switch had arms

splatoon didn't come out until 3 years into the console's life but you're a dumb shitposter who never played it so of course you don't know that

Am I the only one who just kinda can't stand passive monthly expenses?

gym membership = monthly expense

cellphone usage = monthly expense

home mortgage = monthly expense

streaming service = monthly expense

student loan = monthly expense

bullshit financing = monthly expense

All I want is to make X dollars a month and spend Y amount of it without all this sneaky cash slithering out of my wallet. Fuck.

Yeah. Don't fell for this jewery.

why do you think credit cards exist?

I actually don't mind passive expenses as long as they're predictable. Like, oh, fine I pay 200 bucks a month on the 12th of every month for my student loans. That's completely okay because I can just budget for that.
What kills me is the RELATIVE passive expenses. Like power and water. There you have no fucking idea what you're going to get because god forbid this was an expensive month and power just costs more (???) for some reason?

Paying $37 a month for 12 months is not the same as paying $450 right now

True, the former is far more expensive than the latter.

I'd hardly call 1 cent more "far more expensive".

As long as you think this is a good financial decision, I don't finance anything I just pay cash.

Look at it from a different perspective. If somebody owed you $240, would you rather get all at once, or $20 every month for the next year?

I'd rather have it right now. Who's to say they're going to be economically stable enough to have 20 bucks per month give me?

It's bad for poor people because poor people are stupid and will use this as an excuse to buy things they can't afford.
It's not a bad thing at all assuming you aren't a total retard. But unfortunately it's also completely useless to anyone that isn't a retard.

No see Sometimes financial companies prey on the tards, who will forget or fail to pay, which opens up potential savings for non-tards.

Yeah, maybe they can't save up any money because they get hit with huge loan repayments every month from all the shit they financed.

I did it for a PS5 solely because it raises my credit score and I live in a city where people get attacked on public transits, the fees were worth the peace of mind

HuehueBR here, this is the standard buying of anything in here. So much so that usually stores give a 5 or 10% discount if you pay upfront. So if you have the money pay it all and get a discount, if you don't and it's interest free and not an insane number of installments like the mercedes webm posted here that's how you do it.

If the Nintendo eshop did installments I would buy more games full priced rather then wait for discounts. Jap gringos are sleeping on it

credit score

Do Americans really have to finance their pizza?

if i want something but need the expenses for other things and i know the product wont be there for long like a really good deal on something on a marketplace i like to start a finance and then pay it off when i get the rest of the money it can be helpful but these things are generally also a sham to get people in to starting a million fucking pay in 4s so it gets to the point where their money is gone as soon as they get it

Just get a loan bro

Can you people not read?
The Switch 2 in OP's pic costs the same amount whether he buys it immediately or gets it financed.

it's never cheaper through financing
compound interest is what will break your back

Except in the post I replied to, where that Anon got his fridge cheaper simply by taking financing and paying it back immediately. The financing companies don't LIKE it when you do that, but most civilized countries force them by law to have that as an option.

116.73% APR

it's over

SUGGESTED
PAYMENTS
you can go longer but guess what theres an interest rate ot consider

he's like 1 exception in a billion
generally people trying to live above their means are degenerate

Oh totally, I have no doubt he was both lucky + not-retarded, which is a rare combo these days. Most people are neither and they get gaped by these companies.

That's an interesting cultural tidbit Anon.
My country is almost the exact opposite, people here are terrified of financing and will often go to stupid lengths to save up before they buy something large. I have several friends who refuse to buy a house until they can do so without mortgage.

How about people giving away their houses to celebrities?

Rather than ask

should you finance

You should ask, what's your employment situation like and can you afford the payment plan?

borrow $5000

pay back $40872.72 over 86 months

If you're genuinely retarded enough to take this deal you don't deserve that money anyway.

And lastly- can you ABSOLUTELY GUARANTEE you will not default?

My other tip is, if you do enter into the payment plan for this DO NOT finance anything else.

your country sounds partially retarded because the housing prices will keep going up and almost never down
my opinion: they should save absolute max 50% and get a mortgage on the rest then pay off the max amount allowable each year or at least aim for 10% (PRINCIPLE) each year for the term (5 years is standard yeah?) that's 50% paid in 5 years
then when it comes to renewal, if they have enough, lump sum to lower the renewal principle and then renew so that the payments amounts dont go up because renewal rates are always higher OR shop around for a different rate from a different bank
the real issue with housing is having a job and being patient
for some reason dumb niggas want to save to buy a million dollar mansion rather than a 200k condo and ladder upwards

What do you do if it's an expensive emergency, like if the fridge breaks?

that's not an emergency
the solution would be to eat everything perishable immediately and buy dry food or take out until you can get another fridge
having a credit card with a good limit would help alot in such a situation so long as you pay it off in a timely manner
the basement getting flooded or a window getting blown out is

what do you mean by "free"

Easy access to debt and consumer willingness to use it is a huge part of why housing is so expensive. In a country where consumers are skeptical of debt they're less likely to buy housing, thus lowering the demand and the price.

fridge breaks

not an emergency

window getting blown out

emergency

Lol now that's a cultural tidbit. I get it, it's cold as fuck in there. In here if the fridge gets fucked all food goes bad in less than a day

gym membership

he says posting on Anon Babble

no interest

How predatory are those late fees that they can support that model?

Couldn't I just go to a state I've never been in, park 5 miles away, walk through a park and into a Walmart, smash the glass in the electronics department, take a Switch 2 and retrace my steps and drive home?

Um I actually did saar

if survival kids goes as hard as lord of the flies, that could be a game

Its pretty much just they can sell to people who wouldn't buy it otherwise.

Huh makes sense, but I get instantly wary about this because back in the day pay providers loved to fuck you over if you missed a rate. But I made a quick search and that doesn't seem to be the case as much as it was a few years ago.

Taking a loan

Beta male move

debtmaxx, take our as much money as possible from loans and pay the absolute minimum back, take out loans to pay loans, stop paying them entirely and when you get debt collectors knocking at your door say you can only afford to pay them back 10% of what they're asking for
The economy is fake and gay

if you need to finance a 400 purchase I'm not sure the switch is the right console for you as the games will cost a bunch too

do it for your wife's son

i don't get how debtmaxxers think
any entity you take a loan from, but fail to pay back, can literally sue you and/or have you arrested
you understand that right?

The real purpose of schemes like this for products like this isn't even to make interest or for you to get something you can afford early. This isn't for someone who could save up for a year and have the product. Its a cope structure to ease you into just being in debt.

It would be simpler to just put the whole cost of the thing on a credit card, and just be in that much debt. But this allows you to delude yourself into thinking you'll pay it all back just fine when you get it, even though you can't afford it. That's how financially fucked and delusional the people this is targeting are.

Sue me for what nigger, I ain't got nothing to give em

See basically no lawsuit will take away your primary residence, and its hard to actually go to jail for consumer debt. So if you basically have nothing in your life except temporary pleasures and distractions, and maybe live with parents or own some really shitty property, even a trailer, the consequences aren't quite as pressing as they are for someone with a tonne to lose Its just a number that goes up and at worst maybe gets your vehicle repossessed. Even if they don't have a steady residence and owe rent, well some of them end up homeless and some of them inch along, but again the judge isn't going to get you evicted for consumer debt.

That's one personality type. There's also the more ridiculous "keeping up with the joneses" type who feel socially positioned such that they should have things they inexplicably can't afford. They kind of feel that because they should have a brand new car because of their perceived social status, nothing bad can happen to them for what's involved in them getting one, and this is what all spending in their life is like. Its genuine entitlement, I'm "middle class", its normal for me to have this lifestyle, it therefore has to all work out fine. These are the people who have something to lose and still ruin their lives

Never finance something unless is interest free.

Burgers can be jailed for debt? Lmao

Every white country in the world can technically jail you for falling too deep into debt.
Luckily is mostly right, 99% of all judges won't bother with it simply because jailing you isn't really going to solve the problem.

free Switch

this is why the states has the highest debt in the world

Uh it must be different for burgers, I have never been hit with any interest plans or surcharges the few times I used it.

I'm very financially well off and currently financing a Porsche. My monthly payments are only 5.6k a month, my passive income is around 20k a month. If I were to pay fully up front it would cost me around 225k. Doing monthly payments allows my account to grow as opposed to buying it all at once, yes you pay more, but you end up making more money in the long run.

I hate this fucking economy.

they get interest debt out the ass

passive income is around 20k a month

trust fund?

I'm a HEYA HOYA.

Aint no fucking way you are posting on Anon Babble at fucking 20k a month

seeI get percaps. Any extra money I get, goes immediately into a stock portfolio.

Joshua Block gets 400 grand a year to be a public menace i believe it

get a free ride in life because some shit happened to people generations ago that doesn't even effect you. what a world we live in.

Hey, your people made the laws and we used them.

i don't blame you but it's wild that everyone else is still locked out from capitalizing on gambling (unless you go roundabout ways like using online systems with overshore accounts, video games, etc)

Failed ad.

Yes! buying stuff that maeks you happy is good, we only have so much time while we're here.

financing luxury goods

do americans really?

Are there any actual arguments against financing at 0% APR or is it a knee jerk reaction from idiots?

if you can't afford it without financing you should probably just save and avoid any fees/charges from missing payments

meant for

I'M PAYING FOR THE DISCOUNTS AND FREE GAMES!
RAGE! RAGE! RAGE!

Why is that legal?

Are Switch 2s still available right now?

America and the world at large is in one of the worst economic states in the history of human society

Citizens are so addicted to consumption that they will actively put themselves into MORE debt for dumb bullshit like video games and DoorDash burritos

Sometimes I think you guys deserve your exploitation

Have you seen whats going on here with Pokemon cards? Shits wild.

Pokefags are addicted to getting buttfucked by every Tom, Dick, and Harry willing to peddle cheap shit with a Pikachu sticker on it.

That whole clusterfuck does not surprise me in the slightest.

NPC take, I put its price into a savings account and pay each monthly payment from that and I literally get paid extra compared to buying it outright

Should I finance a Switch 2?

Finance a gun and kill yourself

Honestly thats totally worth it because you could just sell it for $800 if your that strapped for cash.
Or play it
Best Buy only has interest if ur late

good goy cuck, goooood goy cuck.

why dont you get a job
nothing in this world is free

Ya be a good goy and slave away for bezos. Then you can have that switch toy and vidya card you been baseding over