Pretty much, order online now and hope you get it sooner than later.
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Then theres amazon which costs nothing. You do need credit card info. Theres also one thing about them that many do not know. Just because they dont charge your card the day you preorder doesnt mean they dont check for funds later down the line. If the funds are not there when they check you risk losing the preorder. If you read the smal writing it will tell you this. Sometimes they never check until they ship it but they have the right to and can do it anytime they want.
Gamestop is the best bet. They buy there systems before they even start taking preorders so your gonna get one no matter what on launch day. Right now they have stopped taking them but they may open up later. They are 100 down and you can pay it off or make payments whenever youd like.
Unfortunatly i think at this point if you have bot preordered you may not be getting one until 2014 or late 2013. It sucks yes but they gave us plent my of warning and time to preorder. If anyone wanted one at launch they should of got it ASAP! You dont mess around with next gen preordering, every gamer knows that.
Best Buy requires $25 instore and full price online. Sony store also requires a full price preorder.
But they dont take away the money till they are ready to deliver the system right? i have 2 ps4 pre orders from sony store but they havent taken away the money from my credit card yet.