Ah I've seen the affirm offers but nothing in the zero percent for 24 months range, more like zero percent for four months etc. Maybe my carts just not large enough to unlock those offers.
It varies and seems to be price dependant…I just look to see what offered and decide from there..
It seems the best value is for 12 months ( ususlly zero..) I think they cut a deal with the supplier to fund them in place of you paying interest so that's a variable …..
But some where in the equation somebody is paying them somehow…!
I did a bunch more batts for 0 % / 12 months …paid off..
The next thing I bought the 0% option was only 6/months…( lots smaller deal);. paid off
Just got 20 new panels and this time it was 12 months at 0%.
I will pay them off by Christmas ….and then report …Paid off
It seems some what arbitrary depending on info that we can’t know… but if you look for it , there generally a decent deal to be had.
Freaking pay pal is now at 29% except for 6 months pay off.. feature ..
I still use them if needed but only for the free 6 month stuff…
A secondary benefit is if you still owe a significant amount after getting the product , you are in a stronger position to negotiate a more fair settlement if there’s a problem with the gear as opposed to if they have all the money up front..
Ya gotta be fair and be nice but they will listen to ya…
Been there , done that … they will communicate with ya a lot better if ya still owe them money…
Just my observation….J.