[QUOTE=merlinextraligh;15886787
Last, your assumption that you will lose only a little money is incorrect. The interest typically goes back to day 1, at rates around 24% so if your still paying for it 13 months later, you easily end up paying 150% of the bike original purchase price before you pay it off, depending on how long you take.[/QUOTE]


I didnt know this. I thought that say you spent 13 months instead of 12 months at 0% apr untill the 13 month hit and you finished then i thought youd olny say.. pay 24% or so Intrest on the remaining balance? is that not how it works?