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Normally in consumer transactions, like buying furniture, etc. in these "no interest" loans the interest is actually "frontloaded" into the inflated sales price, with the store and the finance company working in tandem. Most sale prices are polite fiction, and you the consumer doesn't know what it's actually worth. So the "no interest for 18 mo. or 2 years or whatever, actually has interest in it, and the salespeople simply are lying about the interest, or are ignorant of the actual details. We found out the hard way, too. The attorney general in NY got into that a few years ago. If it sounds too good to be true, yadda yadda..
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