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starburst shape with text inside: no deposits, no replacement, no interest for the next 12 months.

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Advertisements for no interest, no money down, and no payments for a specified amount of time are all around us. Consumers are drawn to these deals because, on the surface, they appear to offer an advantage and provide financial relief for a specified amount of time.

What are some positive and negative factors surrounding this type of financing? How does interest factor into the overall equation?

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