stab in the dark: it lowers the upfront cost of the item dramatically. Instead of needing to save 2 paychecks to own an item, you can own the item now and pay o

stab in the dark: it lowers the upfront cost of the item dramatically. Instead of needing to save 2 paychecks to own an item, you can own the item now and pay out the savings from your future paychecks. For the merchants of high ticket items, it makes their product's more accessible to people with low-savings. So the merchant offers 0% rates.