Originally Posted by
Jed19
eBay is not a manufacturer. That is a different issue. I am not against zero percent financing per se, but just pointing out that Lynskey could probably sell you that $5000 bike for $4500 right now because their finance guy understands the time value of money and after some quick calculations. It could be thawt simple if you asked them. Sometimes, cash is king, and could afford to throw its weight around!
You neglect rhat this is how Lynskey chooses to discount his product. He doesn't was to devalue you it price cuts. If I was set on a Lynskey, I would be tickled to get this break. You know what they say, "Half a loaf is better than no rest at all."
Someone said we need to look at where the payment would be drawn from to know what the interest-free deal would be worth. I agree. But in my case the money is all retirement savings, which I keep fully invested in a fully diversified portfolio. So my opportunity cost is actually my investment returns. This is not trivial right now.