A phone or laptop paid over several months can make sense when the device helps someone study, work, or earn. The problem starts when the shelf price, deposit, fees, and penalties are shown in different places.
For retailers, financing increases the number of people who can say yes. For customers, it only works when the full repayment amount is visible before the first payment is made.
The better version of this market is boring in the best way: clear prices, clear deadlines, and no surprise lockouts.
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