Help deciding on a new gaming PC

Hey,

So I'm looking at picking up a new gaming rig and found two setups that actually look decent because they let you pay over 36 months on credit:

or this one:

To be totally blunt, I have zero clue which one is going to crush it more when I'm playing games. My main goal here is just making sure it handles cyberpunk without choking.
I've been debating whether to just hold out until November (fingers crossed it doesn't slip past that), but if one of these deals is actually legit, I might just pull the trigger now.
I did consider buying all the individual parts and building the thing myself, but honestly, I don't have the time for that headache, so grabbing a pre-built seems like the path of least resistance.

Appreciate the help.

Ask them who actually makes that 750W power supply and what the specific model is, because half the time those things are just cheap junk.
The 2070 Super is way more powerful than an RX 5700, but keep in mind the i5 9400f is significantly weaker than an R5 3600x.
If you're looking to buy on a payment plan, check out other retailers; they’ll handle the whole build for you and give you a much better deal. Just skip Best Buy.

Terrible value for the money. Just drop your budget and how you plan to pay, then the guys here can put together something actually decent. Most big-box retailers offer free assembly and delivery anyway.

Look, I’ve got about $10k-$11k to play with, but we’re talking installments—I need that at least on a 24-month plan. So far, I’ve only been looking at the big names like Best Buy, Micro Center, or maybe Newegg, but honestly, I haven't stumbled upon anything better for that kind of cash.

Someone’s probably going to drop some nonsense here pulled straight from Yahoo!, CNN, or Accenture—some free advice that doesn't mean a thing. Too bad you didn't put a budget in the title.

1 * Intel Core 5 3600, 6C/12T, 3.6GHz/4.2GHz, 32MB, AM4
SKU: 0400496 - $529
1 * MSI B450 TOMAHAWK MAX, 4xDDR4, ATX, Ryzen3Gen, S.AM4
SKU: B450_TOMAHAWK_MAX - $370
1 * Kingston DDR4 HX Fury, 16GB(2x 8GB), 3200MHz, CL16
SKU: king-x432c16fk2-16 - $228
1 * Kingston SSD 960GB A400 SATA3 2.5 SSD (7mm height)
SKU: SA400S37/960G - $326
1 * Seasonic SS-550GB Power Supply, 550W, 80+ Bronze
SKU: 0151689 - $155
1 * Logitech G Pro, gunmetal grey, no PSU included
SKU: frac-focus-g-gre-w - $167
1 * Palit GF RTX2070 Super GamingPro, 8GB GDDR6
SKU: pal-2070s-gp-8gb - $1609

Total: $3384

Check THIS page for cards eligible for the 24-month installment plan; not everything qualifies.

Otherwise, you could save an extra $333 by going with THIS graphics card instead. Performance-wise they aren't far apart—the Radeon is about ~8-9% slower on average—but the price difference is definitely noticeable.

Thanks a ton, everyone. I'll check it out.