
Finally, there is the 'Own It Now ‘promotion. The benefit of this promotional type is that your payments are spread over the promotional term into equal monthly instalments, including an interest component. The interest rate on instalments during the promotional period is at a lower rate. If there is a balance outstanding after the promotional period (eg. you have missed a payment for example), then interest is charged at the standard rate.
Ask the salesperson in-store if this promotion is available and if so, the applicable interest rate.