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Wait, that might be pointless.
The best approach is to buy it when you have the funds in full, in my opinion though.
Nonononononono, buying consumer technology for entertainment is not what loans are meant for. Especially not when that loan comes with interests. And even with the inflation and recession 39% is usury to begin with. The moment you pay off that loan, the stuff you finally own is already outdated and severely depreciated. This system is designed to trap yourself in a consoom-and-doom cycle.
If you can't afford trivial stuff like this outright, it's too expensive for you. I can get why people skilled at handling money use credit cards and interest-free "pay-next-month" schemes, but if you need to spread that purchase over three months, it unfortunately means you can't really afford it right now. Alot can happen in a quarter of a year.
Heck, even taking on a loan for a month or through a credit card isn't risk-free either.
The only time consumer loans make sense to me is if it's for education, work or taxes. Basically anything that requires you to have that stuff now to produce tangible added value to you which is also recognised by society as such (a degree, money, etc.), but not for entertainment.
Its also quite staggering how many people do not know how interest works. But then again they don't really know how taxes works either.
True, lucky I have no major debts myself. I don't consider my mortgage as a debt as such. Clearly a mortgage to the bank is a debt that needs to be paid back but if I was renting, I would pay twice as much in rent. With mortgage as least you basically saving your money in brick and mortar.
Now (due to US regulation): They are classified as credit companies and are treated as such, so all transactions now come with fees, rendering them useless.
Enjoy it while it lasts.
you are not wrong, but this particular example is not a loan though - it is the store allowing you to pay in installments with no interest as long as you finish your payments within a set amount of time.
some even allow time frames up to 12 months and such (unless i remember incorrectly).
it is quite common these days.
i still dont prefer doing that, but it lets you buy a new stove or similar in an emergency by spreading the cost if your savings dont allow for a single payment, but your monthly income can handle the installments.
that said, while there is no interest some people still rack up monthly expenses that way until their monthly income no longer can handle it, because in their mind "it is just another $20 per month" until their expenses exceed their income.
Oftentimes it is an interest-free consumer loan. At least here in Germany, for B2C transactions like these, they'll usually make you sign a loan agreement through their consumer bank (usually PayPal, Klarna or Santander, if they don't have their own) for stuff like that. Maybe you have more specific technical terms for that in English, but in German it's all a type of Kredit.
There are some places were the single-installment pay-next-month options are basically consolidated bills (iirc, Amazon and a couple smaller stores do that), but most big retailers handle it through consumer loans.
fair point, since i havent used such a payment option i havent looked into the details very much.
but it makes sense that if you have a outstanding payment, you are essentially in debt.
so since the conditions presumably come with some sort of consequence if you fail to meet the deadline - i'd assume you actually go into debt for real at that point.
guess i will have to look into it more at some point just for the sake of knowledge.
Curiosity question :
There are no fees at all, do they rely on people who thinki at the time oh yeah ill pay it off by then , and then they get hit with interest when they don't? or is there a subscription fee to use the companies as well?