[PragmaticPulp]

> Why do retailers push financing options so hard if they only get 9% less money?

Typical financing options like Affirm only charge 2-3% to the retailer.

The 0% financing is a bit misleading as they're just collecting their profit up front as a separate fee (the 9-11%) instead of collecting it as interest over the course of the payback period.

Expecting contractors to take a 9-11% cut out of their profits is not likely, at least in my area. Realistically I'd expect contractors to raise their quotes by the amount of the financing fee so they come out at the same final payment amount.