Power Up Now. Pay Later.

MAINGEAR offers multiple ways to finance your next upgrade. With options that include 0% APR, no early payment penalties, and soft checks that don't affect your credit score, you can get a top-tier PC with low monthly payments today.

Shop Pay Installments

Ever wondered how easy financing a PC can be? Introducing Shop Pay Installments powered by Affirm, for easy and flexible payment plans. Split your order into 4 biweekly payments with no interest or credit check, or choose 3, 6, or 12-month financing at competitive rates from 6–36% APR.

Available to U.S. customers and select regions in Canada, Shop Pay is a great way to finance your next MAINGEAR gaming desktop or laptop with peace of mind. Minimum cart value starts at just $50.

Bread Pay

Pay Over Time With Bread Pay

Get 0% APR for 6 months on all orders. 0% APR for 12 months on orders $1999 and higher. Terms available for 6, 12, 18, 24, and 36 months. APR ranges from 0-29.99%. Terms cannot be changed once the order is placed, but there are no penalties or fees for early payoffs. If your order exceeds your approved loan amount, the balance can be paid using a debit/credit card. No risks to apply and see if you're pre-approved and for how much. No credit inquiry made until customer accepts a loan and completes checkout. AutoPay available. Only available to US residents. $499 cart minimum.

Affirm

Affirm Financing via Amazon Pay

Pay in 3-48 equal monthly payments, depending on order total. Pay over 3-6 months on purchases of $50 or more. Pay over 12 months on purchases of $100 or more. Pay over 18 months on purchases of $250 or more. Pay over 24 months on purchases of $500 or more. Pay over 36 months on purchases of $1000 or more. Pay over 48 months on purchases of $1500 or more. Rates are between 10-36% APR. Selecting Amazon Pay at checkout will present the option for Affirm financing. Seeing whether you are eligible will not affect your credit score. If you select an installment plan from Affirm, your payments may be reported to credit bureaus. No fees or penalties for paying early. US residents only. $50 cart minimum.

PayPal

Pay Pal Pay Over Time

PayPal Credit is another smart way to finance your gaming setup. Pay no interest if your purchase of $149 or more is paid in full within 6 months. If not, standard APR of 30.39% (variable) applies from the purchase date. Once approved, payments may be reported to credit bureaus, helping build credit with responsible use.

Compare Your Financing Options

Details Affirm on Amazon Pay PayPal Credit Shop Pay Installments Bread Pay
APR Range 10-36% 0% for 6 months, 30.39% after 6-36% 0-29.99%
Terms Available 3–48 months depending on order total 6 months (0% if paid in full) 3, 6, 12 months 6, 12, 18, 24, 36 months
Min. Cart Amount $50 $149 $50 $499

Options available at checkout

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Seamless checkout, your way.

Looking to pay in full?

MAINGEAR accepts Shop Pay, PayPal, Amazon Pay, Apple Pay, Google Pay, and Venmo for faster, secure payments. It's never been easier to purchase your next upgrade!

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Financing FAQ

Most frequently asked questions about financing a MAINGEAR system.

What financing options are available for MAINGEAR Gaming PCs?

We offer flexible financing through Bread Pay™, Shop Pay Installments (via Affirm), PayPal Credit, and Affirm via Amazon Pay—each with unique terms and rates to fit your budget.
Does MAINGEAR offer 0% APR financing?

Yes! With Bread Pay, get 0% APR for 6 months on all orders, or 12 months on purchases of $1,999 or more. Other terms may carry interest rates from 0–29.99%.
Can I finance a custom-built gaming PC from MAINGEAR?

Absolutely. All financing options apply to both prebuilt and fully custom MAINGEAR desktops and laptops, as long as your cart meets the minimum value required by the provider.
Will checking if I qualify for financing affect my credit score?

No. Bread Pay, Affirm, and PayPal Credit all offer soft credit checks during pre-qualification, so you can check your eligibility with no impact to your credit.
Can I pay off my financing early without penalties?

Yes! All of our financing partners allow early payoff with no fees or penalties, helping you save on interest.
Are these financing options available outside the U.S.?

Most financing options are available to U.S. residents only. However, Shop Pay Installments are also available in select regions of Canada (currently in early access).
Can I use a credit or debit card along with financing?

Yes. If your MAINGEAR order exceeds the approved loan amount (such as with Bread Pay), you can pay the difference using a credit or debit card at checkout.
Which payment methods are supported for monthly payments?

Monthly payments can typically be made using debit or credit cards. However, some restrictions apply—for example, Shop Pay does not accept Capital One or Chase credit cards for monthly payments.
How do I apply for financing when buying a MAINGEAR PC?

Simply select your preferred financing method at checkout—whether it's Bread Pay, Shop Pay Installments, PayPal Credit, or Amazon Pay with Affirm. You’ll be guided through a fast and secure pre-approval process.
Does MAINGEAR offer financing options for businesses?

Yes. MAINGEAR provides flexible financing solutions for business customers, making it easier to invest in high-performance systems without large upfront costs. More info is available upon request.
What types of business systems can I finance with MAINGEAR?

You can finance any of MAINGEAR’s professional-grade systems, including our Pro RS, Pro WS, and custom workstations built for 3D rendering, video editing, CAD, game development, AI, and other professional workflows.
Can I customize business financing terms based on my company’s needs?

Yes. We offer tailored solutions that can be adjusted based on your purchase volume, hardware requirements, and repayment goals. Financing terms may vary depending on the approval process.
Are there any purchase minimums or location requirements for business financing?

Business financing is typically available to U.S.-based companies, and minimum order requirements may apply depending on the system configuration and financing provider.
Where can I learn more or request a business quote?

Visit the Contact Us page to speak with a representative and begin the business financing process.

Learn More About Bread Pay

Financing
Available

Clear, transparent terms. Fair rates.
No prepayment penalties.
Low monthly payments

Pay Over Time

Through Bread Pay™, we offer easy and affordable financing options so you can pay for your purchase over time.

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Affordable Monthly Plans

Buy now and pay for your purchase over time at competitive interest rates.

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No Prepayment Penalties

Pay for your purchase with monthly payments and prepay at any time without penalty.

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Easy Application

Get a decision in seconds with no obligation to buy. Checking your rate won't affect your credit score. Your data is safe and encrypted.



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Questions? Visit Bread Pay™ help center.

Subject to approval of credit application. Bread Pay™ loans are made by Comenity Capital Bank, a Bread Financial™ company.

*Minimum purchase of $200.00 is required. Availability of terms may vary based on purchase price, product, and state of residence. Down payment may be required. Subject to approval of credit application. Rates range from 0.00% to 34.99% APR, resulting in, for example, 36 monthly payments of $38.19 at 21.99% APR, per $1,000.00 borrowed. APRs will vary depending on credit qualifications, loan amount, and term.  Bread Pay® loans are made by Comenity Capital Bank, a Bread Financial® company.