Easy and affordable financing with clear and transparent terms.
Financing
Flexible Financing Options for Every Gamer
At Zodiac Labs, we believe everyone deserves a PC built to win, without compromise. That’s why we’ve partnered with trusted Buy Now, Pay Later providers to make owning your dream gaming PC simple, flexible, and stress-free.
Affordable Monthly Plans
Buy now and pay for your purchase over time at competitive interest rates.
Quick and Easy Application
Get a decision in seconds with no obligation to buy. Checking your rate won’t affect your credit score.
No Payment Penalties
Pay for your purchase with monthly payments and prepay at anytime without a penalty.
How the Financing Process Works
Step 1: Customize Your Build
Explore our lineup and configure your perfect PC with your preferred specs.
Once you’ve customized your setup (GPU, CPU, storage, RAM), simply add it to your cart and head to checkout.
Step 2: Choose a Payment Provider
At checkout, you’ll see multiple payment options in addition to credit card, Apple Pay, and Google Pay. For financing, select your preferred provider as your payment method.
Each provider lets you split your total into manageable payments — no hidden fees, no complicated forms.
Step 3: Quick & Secure Application
After selecting your provider, you’ll be redirected to their secure platform to complete a short application.
You’ll typically need to provide:
- Basic contact information
- Date of birth
- Your SSN to confirm your identity
- Payment method (bank account, debit card, or credit card)
Step 4: Confirm Your Purchase
Once approved, you’ll see your available payment terms (monthly plans, 4-payment split, or other options depending on the provider).
Review and confirm your plan — then return to Zodiac Labs to finalize your order.
Step 5: We Build. You Game.
As soon as your order is confirmed, our team begins hand-building your PC in the Midwest. Every system undergoes hours of testing and optimization to ensure peak performance before shipping.
You’ll receive updates as your PC is built, tested, and shipped — and you can start making payments according to your plan’s schedule.
Need Help?
Finance Support Questions
Does using Buy Now, Pay Later delay my PC build?
No. Once your financing is approved and your order is confirmed, your PC enters our build queue immediately, just like a standard payment.
Will financing affect my credit score?
It depends on the provider.
Affirm may perform a soft or hard credit check depending on the payment plan you choose.
PayPal, Klarna, and Cash App Afterpay might perform soft checks that do not impact your credit score.
Check your provider’s terms during checkout for details.
Can I pay off my plan early?
Yes! All providers — PayPal, Affirm, Klarna, and Afterpay — allow early payments without penalties. Paying early may reduce or eliminate any interest, depending on the plan.
Are there any hidden fees or interest charges?
No hidden fees. Ever.
Some plans (like Affirm’s extended monthly financing) may include interest, but you’ll always see the total cost before you commit — no surprises after checkout.
Who do I contact about my payments?
Once your plan is approved, payments are handled directly through your selected provider.
You can log into:
If you have questions about your order or shipping, contact Zodiac Labs support — we’re always happy to help.