The shop down the street advertises 72 months completely interest free. Assuming it's not a blatant lie, of course I would sign up for 72 months instead of 12,

The shop down the street advertises 72 months completely interest free. Assuming it's not a blatant lie, of course I would sign up for 72 months instead of 12, regardless of what I could afford. That's 60 months of me getting return on whatever investments I make.