Whenever we have a big purchase, we apply for a Zero percent interest credit card to pay over time—treating it like a home layaway.
We paid for our fence, trips, etc.
Most of them have terms between 18-24 months.
If you take the item price and divide it by zero percent terms, you can figure out how much to pay per month before it starts to charge interest rates and pay it off by the end of the zero percent terms.
https://www.bankrate.com/finance/credit-cards/zero-interest/
