Structuring “same-as-cash” financing without deferred-interest gotchas.

“Same-as-cash” should mean exactly that—the customer pays no interest if the balance is paid off during the promotional period. Beware of deferred interest plans that accrue interest from day one and charge it retroactively if the balance isn’t paid in full.

To avoid surprises, use true 0% loans with no hidden interest or partner with a lender that waives interest entirely. If you must use deferred interest, coach customers to pay more than the minimum each month and track the payoff date.

Disclose the risks up front so customers trust you and your financing program doesn’t turn into a complaint magnet.