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Should I take advantage of “interest-free” credit when buying something? [duplicate]

Should I pay for a computer up-front or on finance?Should I pay cash or prefer a 0% interest loan for home furnishings?Take new loan to pay off old one, what would you do in this scenario?Can I take advantage of lower interest rates while I'm stuck in a fixed-rate mortgage?How to get 0% financing for a car, with no credit score?Lowest Interest Options for Short-Term LoanBuying a property for 3 years and then sellingTackling an obscene amount of student loansStudent loan tips for repayment, consolidation for a pharmacy graduateUsing 0% APR credit card(s) to pay off loans to avoid interestUK: National Insurance on employee loans when there is no interest benefitLump sum vs interest free loan

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4

This question already has an answer here:

• 
  Should I pay for a computer up-front or on finance?
  
  7 answers
  
  

If I buy something like a smartphone or a new PC, when you have these choice:

• Pay all the cost at the moment.


• Pay it in 6/12/18 months (with loan but without any interest rate and any extra cost).

What is the best option and why?

I know that the problem depends on the money that you have but for normal people (not poor, not rich), normal salary, and normal expenses:

What is the best way?

loans credit interest-rate payment learning

share|improve this question

edited 34 mins ago

Bob Baerker

18.4k22754

asked 4 hours ago

GaweyGawey

1234

New contributor

Gawey is a new contributor to this site. Take care in asking for clarification, commenting, and answering.
Check out our Code of Conduct.

marked as duplicate by Ben Miller, JoeTaxpayer♦ 24 mins ago

This question has been asked before and already has an answer. If those answers do not fully address your question, please ask a new question.

• 
  
  
  

  
  

  
  
  
  
  
  

  
  
  @BenMiller Is this really a duplicate given that the other question turned out not to involve an interest-free loan?
  
  – Ganesh Sittampalam♦
  19 mins ago
  

  
  
  
  


• 
  
  
  

  
  1
  

  
  
  
  
  
  

  
  
  @GaneshSittampalam I’m not sure what happened, but I thought I had selected this one: money.stackexchange.com/questions/64677/… Could you fix that for us?
  
  – Ben Miller
  7 mins ago
  
  

  
  
  
  


• 
  
  
  

  
  

  
  
  
  
  
  

  
  
  @BenMiller the question selected is not the same, and have a different answer that in this case is not correct, the other is the correct not the actual proposal.
  
  – Gawey
  5 mins ago
  

  
  
  
  

add a comment | 

4

This question already has an answer here:

• 
  Should I pay for a computer up-front or on finance?
  
  7 answers
  
  

If I buy something like a smartphone or a new PC, when you have these choice:

• Pay all the cost at the moment.


• Pay it in 6/12/18 months (with loan but without any interest rate and any extra cost).

What is the best option and why?

I know that the problem depends on the money that you have but for normal people (not poor, not rich), normal salary, and normal expenses:

What is the best way?

loans credit interest-rate payment learning

share|improve this question

edited 34 mins ago

Bob Baerker

18.4k22754

asked 4 hours ago

GaweyGawey

1234

New contributor

Gawey is a new contributor to this site. Take care in asking for clarification, commenting, and answering.
Check out our Code of Conduct.

marked as duplicate by Ben Miller, JoeTaxpayer♦ 24 mins ago

This question has been asked before and already has an answer. If those answers do not fully address your question, please ask a new question.

• 
  
  
  

  
  

  
  
  
  
  
  

  
  
  @BenMiller Is this really a duplicate given that the other question turned out not to involve an interest-free loan?
  
  – Ganesh Sittampalam♦
  19 mins ago
  

  
  
  
  


• 
  
  
  

  
  1
  

  
  
  
  
  
  

  
  
  @GaneshSittampalam I’m not sure what happened, but I thought I had selected this one: money.stackexchange.com/questions/64677/… Could you fix that for us?
  
  – Ben Miller
  7 mins ago
  
  

  
  
  
  


• 
  
  
  

  
  

  
  
  
  
  
  

  
  
  @BenMiller the question selected is not the same, and have a different answer that in this case is not correct, the other is the correct not the actual proposal.
  
  – Gawey
  5 mins ago
  

  
  
  
  

add a comment | 

This question already has an answer here:

• 
  Should I pay for a computer up-front or on finance?
  
  7 answers
  
  

If I buy something like a smartphone or a new PC, when you have these choice:

• Pay all the cost at the moment.


• Pay it in 6/12/18 months (with loan but without any interest rate and any extra cost).

What is the best option and why?

I know that the problem depends on the money that you have but for normal people (not poor, not rich), normal salary, and normal expenses:

What is the best way?

loans credit interest-rate payment learning

share|improve this question

edited 34 mins ago

Bob Baerker

18.4k22754

asked 4 hours ago

GaweyGawey

1234

New contributor

Gawey is a new contributor to this site. Take care in asking for clarification, commenting, and answering.
Check out our Code of Conduct.

share|improve this question

edited 34 mins ago

Bob Baerker

18.4k22754

asked 4 hours ago

GaweyGawey

1234

New contributor

Gawey is a new contributor to this site. Take care in asking for clarification, commenting, and answering.
Check out our Code of Conduct.

share|improve this question

edited 34 mins ago

Bob Baerker

18.4k22754

asked 4 hours ago

GaweyGawey

1234

New contributor

Gawey is a new contributor to this site. Take care in asking for clarification, commenting, and answering.
Check out our Code of Conduct.

edited 34 mins ago

Bob Baerker

18.4k22754

edited 34 mins ago

Bob Baerker

18.4k22754

asked 4 hours ago

GaweyGawey

1234

New contributor

Gawey is a new contributor to this site. Take care in asking for clarification, commenting, and answering.
Check out our Code of Conduct.

asked 4 hours ago

GaweyGawey

1234

1 Answer
1

active

oldest

votes

7

That question comes down to two main factors:

1 Earning potential aka PRO "have it now pay later"

So if you can have the phone/laptop/whatever now and pay it later, that means you'll have money 6/12/18 months longer than you'd have it if you would pay it right now. So your money can potentially earn you interest in that time and that very much depends on the interest rate situation. If you get like 2% on your 1000 Bucks your paying for your phone or laptop you'll get 20 bucks of the purchase price if you do it that way. Another aspect is that your laptop may be your working instrument and will enable you to do work you otherwise couldn't do. In that case the laptop is an investment into your future earning potential.

2 Future Discount aka CONTRA "have it now pay later"

You know that Simpsons scene where homer downs a bottle of vodka mixed with a entire jar of mayonnaise and says :"That's a problem for future homer. Man I sure don't want to be that guy!"
Yeah.. that's what paying later means. Paying in the future will make your price sensitivity decrease because "It's a problem for future me". That means you are much more likely to over spend. By the way that is also the reason why stores offer financing options like this. You think it is interest rate free, which is true. But the price you are willing to pay if you not need to pay until in a year drastically increases. Therefor if you buy stuff for fun and not with the intention to generate money with it, pay it now. If you generate money with it, it's okay to pay later.

share|improve this answer

edited 53 mins ago

yoozer8

2,25841123

answered 3 hours ago

Lucas Raphael PianegondaLucas Raphael Pianegonda

848312

• 
  
  
  

  
  3
  

  
  
  
  
  
  

  
  
  +1. But the contra-point is really just psychology. If you have already decided you want to make this purchase for the advertised price and now are just asking yourself whether to pay now or pay in instalments, then this point is pretty moot. It is really just relevant if you came to the conclusion "I would not consider to buy this if I would have to pay everything now, but I might consider it if I could pay it in instalments".
  
  – Philipp
  3 hours ago
  
  

  
  
  
  


• 
  
  
  

  
  1
  

  
  
  
  
  
  

  
  
  @Philipp That is pure psychology true! Nevertheless it needs a lot of self discipline to rationally assess these issues. Therefor I would, as you suggest, not recommend buying something on rates if you wouldn't also pay the same price right now.
  
  – Lucas Raphael Pianegonda
  3 hours ago
  

  
  
  
  


• 
  
  
  

  
  

  
  
  
  
  
  

  
  
  @LucasRaphaelPianegonda Either a lot of self discipline or a clean bookkeeping scheme.
  
  – glglgl
  2 hours ago
  

  
  
  
  


• 
  
  
  

  
  

  
  
  
  
  
  

  
  
  Paying over time into the future instead of immediately also means that you now still have the full (or nearly full, if you make the first payment up front) purchase price in hand and ready to spend. You may be more likely to buy things you otherwise wouldn't have with this "extra" cash (especially if the person selling you this item offers you a "great deal" on related items).
  
  – yoozer8
  49 mins ago
  

  
  
  
  

add a comment | 

7

That question comes down to two main factors:

1 Earning potential aka PRO "have it now pay later"

So if you can have the phone/laptop/whatever now and pay it later, that means you'll have money 6/12/18 months longer than you'd have it if you would pay it right now. So your money can potentially earn you interest in that time and that very much depends on the interest rate situation. If you get like 2% on your 1000 Bucks your paying for your phone or laptop you'll get 20 bucks of the purchase price if you do it that way. Another aspect is that your laptop may be your working instrument and will enable you to do work you otherwise couldn't do. In that case the laptop is an investment into your future earning potential.

2 Future Discount aka CONTRA "have it now pay later"

You know that Simpsons scene where homer downs a bottle of vodka mixed with a entire jar of mayonnaise and says :"That's a problem for future homer. Man I sure don't want to be that guy!"
Yeah.. that's what paying later means. Paying in the future will make your price sensitivity decrease because "It's a problem for future me". That means you are much more likely to over spend. By the way that is also the reason why stores offer financing options like this. You think it is interest rate free, which is true. But the price you are willing to pay if you not need to pay until in a year drastically increases. Therefor if you buy stuff for fun and not with the intention to generate money with it, pay it now. If you generate money with it, it's okay to pay later.

share|improve this answer

edited 53 mins ago

yoozer8

2,25841123

answered 3 hours ago

Lucas Raphael PianegondaLucas Raphael Pianegonda

848312

• 
  
  
  

  
  3
  

  
  
  
  
  
  

  
  
  +1. But the contra-point is really just psychology. If you have already decided you want to make this purchase for the advertised price and now are just asking yourself whether to pay now or pay in instalments, then this point is pretty moot. It is really just relevant if you came to the conclusion "I would not consider to buy this if I would have to pay everything now, but I might consider it if I could pay it in instalments".
  
  – Philipp
  3 hours ago
  
  

  
  
  
  


• 
  
  
  

  
  1
  

  
  
  
  
  
  

  
  
  @Philipp That is pure psychology true! Nevertheless it needs a lot of self discipline to rationally assess these issues. Therefor I would, as you suggest, not recommend buying something on rates if you wouldn't also pay the same price right now.
  
  – Lucas Raphael Pianegonda
  3 hours ago
  

  
  
  
  


• 
  
  
  

  
  

  
  
  
  
  
  

  
  
  @LucasRaphaelPianegonda Either a lot of self discipline or a clean bookkeeping scheme.
  
  – glglgl
  2 hours ago
  

  
  
  
  


• 
  
  
  

  
  

  
  
  
  
  
  

  
  
  Paying over time into the future instead of immediately also means that you now still have the full (or nearly full, if you make the first payment up front) purchase price in hand and ready to spend. You may be more likely to buy things you otherwise wouldn't have with this "extra" cash (especially if the person selling you this item offers you a "great deal" on related items).
  
  – yoozer8
  49 mins ago
  

  
  
  
  

add a comment | 

7

That question comes down to two main factors:

1 Earning potential aka PRO "have it now pay later"

So if you can have the phone/laptop/whatever now and pay it later, that means you'll have money 6/12/18 months longer than you'd have it if you would pay it right now. So your money can potentially earn you interest in that time and that very much depends on the interest rate situation. If you get like 2% on your 1000 Bucks your paying for your phone or laptop you'll get 20 bucks of the purchase price if you do it that way. Another aspect is that your laptop may be your working instrument and will enable you to do work you otherwise couldn't do. In that case the laptop is an investment into your future earning potential.

2 Future Discount aka CONTRA "have it now pay later"

You know that Simpsons scene where homer downs a bottle of vodka mixed with a entire jar of mayonnaise and says :"That's a problem for future homer. Man I sure don't want to be that guy!"
Yeah.. that's what paying later means. Paying in the future will make your price sensitivity decrease because "It's a problem for future me". That means you are much more likely to over spend. By the way that is also the reason why stores offer financing options like this. You think it is interest rate free, which is true. But the price you are willing to pay if you not need to pay until in a year drastically increases. Therefor if you buy stuff for fun and not with the intention to generate money with it, pay it now. If you generate money with it, it's okay to pay later.

share|improve this answer

edited 53 mins ago

yoozer8

2,25841123

answered 3 hours ago

Lucas Raphael PianegondaLucas Raphael Pianegonda

848312

• 
  
  
  

  
  3
  

  
  
  
  
  
  

  
  
  +1. But the contra-point is really just psychology. If you have already decided you want to make this purchase for the advertised price and now are just asking yourself whether to pay now or pay in instalments, then this point is pretty moot. It is really just relevant if you came to the conclusion "I would not consider to buy this if I would have to pay everything now, but I might consider it if I could pay it in instalments".
  
  – Philipp
  3 hours ago
  
  

  
  
  
  


• 
  
  
  

  
  1
  

  
  
  
  
  
  

  
  
  @Philipp That is pure psychology true! Nevertheless it needs a lot of self discipline to rationally assess these issues. Therefor I would, as you suggest, not recommend buying something on rates if you wouldn't also pay the same price right now.
  
  – Lucas Raphael Pianegonda
  3 hours ago
  

  
  
  
  


• 
  
  
  

  
  

  
  
  
  
  
  

  
  
  @LucasRaphaelPianegonda Either a lot of self discipline or a clean bookkeeping scheme.
  
  – glglgl
  2 hours ago
  

  
  
  
  


• 
  
  
  

  
  

  
  
  
  
  
  

  
  
  Paying over time into the future instead of immediately also means that you now still have the full (or nearly full, if you make the first payment up front) purchase price in hand and ready to spend. You may be more likely to buy things you otherwise wouldn't have with this "extra" cash (especially if the person selling you this item offers you a "great deal" on related items).
  
  – yoozer8
  49 mins ago
  

  
  
  
  

add a comment | 

That question comes down to two main factors:

1 Earning potential aka PRO "have it now pay later"

So if you can have the phone/laptop/whatever now and pay it later, that means you'll have money 6/12/18 months longer than you'd have it if you would pay it right now. So your money can potentially earn you interest in that time and that very much depends on the interest rate situation. If you get like 2% on your 1000 Bucks your paying for your phone or laptop you'll get 20 bucks of the purchase price if you do it that way. Another aspect is that your laptop may be your working instrument and will enable you to do work you otherwise couldn't do. In that case the laptop is an investment into your future earning potential.

2 Future Discount aka CONTRA "have it now pay later"

You know that Simpsons scene where homer downs a bottle of vodka mixed with a entire jar of mayonnaise and says :"That's a problem for future homer. Man I sure don't want to be that guy!"
Yeah.. that's what paying later means. Paying in the future will make your price sensitivity decrease because "It's a problem for future me". That means you are much more likely to over spend. By the way that is also the reason why stores offer financing options like this. You think it is interest rate free, which is true. But the price you are willing to pay if you not need to pay until in a year drastically increases. Therefor if you buy stuff for fun and not with the intention to generate money with it, pay it now. If you generate money with it, it's okay to pay later.

share|improve this answer

edited 53 mins ago

yoozer8

2,25841123

answered 3 hours ago

Lucas Raphael PianegondaLucas Raphael Pianegonda

848312

share|improve this answer

edited 53 mins ago

yoozer8

2,25841123

answered 3 hours ago

Lucas Raphael PianegondaLucas Raphael Pianegonda

848312

edited 53 mins ago

yoozer8

2,25841123

edited 53 mins ago

yoozer8

2,25841123

answered 3 hours ago

Lucas Raphael PianegondaLucas Raphael Pianegonda

848312

answered 3 hours ago

Lucas Raphael PianegondaLucas Raphael Pianegonda

848312