Do you still want to be paying for something when its value is one quarter of what you paid for it and your payments are just beginning? If you have to take up defered terms as in "Buy Now No Deposit payments start six months later"...You can't afford it...Don't do it , your family dosn't need it that bad...

When you buy "interest free" you are actually paying a substantial set of redirected covert commissions to providers whose overall cost structure is much worse than the very worst cost structure of a banking credit card. In other words... flash a commissioned salesperson a normal low status credit card and instantly get a discount much greater than a normal credit cost of the period of loan of the "interest free terms"...