As part of our fair pricing policy, interest free credit is never free to the company supplying the products, and therefore prices must be increased to cover this facility.  We have found it to be more cost effective to both ourselves and the customer, if a normal finance product is utilised which has a straightforward interest rate attached.  Therefore, our prices don’t have to be loaded to cover said fees and customers are fully aware what they are paying and being charged to spread the cost. Nothing hidden and always fair.