It’s not just the credit score - the APR offered is also chosen by the retailer. 0% financing costs the retailer 8%(ish) of the total amount, which is how the

It’s not just the credit score - the APR offered is also chosen by the retailer. 0% financing costs the retailer 8%(ish) of the total amount, which is how the lender makes their money. So in your case, the retailer didn’t want to lose that much of their margin.