In the consumer appliance business, "12 months same as cash" etc is the norm. I always take the free money & it lowers the stress when something breaks suddenly.
Also goes for musical instruments, golf clubs, cars (0% 36 months), furniture, small boats etc etc.
Not for anything to do with guns. I can't even find a financing deal on a new safe.
Many would spend even more money if they didn't need to come up with it up front.
I would love to have a .338 Lapua Magnum but minimum $3K plus $2K in optics is hard to save up for. Would do it in a heartbeat if I could get 24 months no interest.