Franklin, WI
Quoted from fosaisu:0% financing is a form of discount -- the seller loses money offering it since they have to administer the loan and take legal action if you default, plus monthly payments are worth less than up-front payment thanks to inflation and the time value of money.
Sellers offer discounts when they're worried about moving product. Stern and the other manufacturers are selling all they can make and then some (production backlogs are months to years long across the industry). That's not the kind of market that encourages sellers to offer discounts.
Most of the furniture, jewelry stores etc... use third party solutions who provide the financing and take all the risk. Think affirm wells fargo etc... I just bought wifey a nice ring with 18 months zero percent financing thru wells fargo(who i despise but not paying them anything in the end)and btw this is the only way i would "finance" a pin and you need to be disciplined to do it for sure. Just my 2 cents
