The best way to pay for games and get them at launch is... PRE- Order! I always research games and know when they are coming out. I put down $10au about 3 months before and then pay it off. I did that for the ps3 as well knowing I had 2 yrs :P
Also at some EB games in Au - you can use other competitors catalog's that have a reduced price on games and they would match it. But Pre- order is the way :)
I have KZ2 all payed for :D








