Assume you can get 0% interest it’s an amazing deal.
I can either pay $4000 now for a studio m2 ultra
or
i can still get the studio m2 ultra now and pay $3100 over next 36 months, then 3 years later if Apple end up releasing a much better / powerful mac studio i have the *option* to upgrade and get the new one over 3 years plan again, if the new studio isnt all that different or my existing one can be sold on eBay for lot more, I just pay the $900 owed and keep existing without paying anything more, but walk away with around $500 in interest earned (at 5%) over 3 years from without paying the lump $4000.
There is no downside assume you can get 0% interest, some of you guys logic really boggles the mind, this inherit distrust over debt is unhealthy.