your initial downpayment will be the "interest".
kapag bago ka sa HC, as high as 30% ng price item yung pwede mong maging initial downpayment.
ex., Worth 50K na laptop, 30% = 15K. so 15K yung downpayment mo. tapos payable lang sya for 6months. 50K / 6 = 8.3K magiging monthly mo.
sinasabi lang nilang 0% interest kasi walang patong yung monthly mo, pero yung interest kasi andun na sa downpayment. hehe.
Bumili ako ng appliance noon gamit HC. Never Again. Better use CC nalang.