Federal interest this fiscal year: —National debt (Nov 5): $40,556,120,784,983How we count
0% APR deals

Electronics and phones

Device installment plans and electronics store cards.

True 0%

BrandOfferVerdictEndsThe fine print
SamsungTD financing, 18 and 24 months0% APR: 18 months on $1,000+, 24 months on $500+Minimum: $500True 0%Ongoing
  • Samsung 6 and 12 month plans are deferred interest at 29.99%
Verified Oct 25, 2026
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AppleApple Card Monthly Installments0% APR installments on Apple devicesTrue 0%Ongoing
  • Apple iPhone Upgrade Program is a lease through Klarna, not 0% financing
Verified Oct 25, 2026
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Verizon and AT&T36-month device paymentsConfirm before you buy0% device installment plansTrue 0%Ongoing
  • Leaving the carrier early makes the remaining balance due
  • T-Mobile plans now range 0% to 24%
Verified Oct 25, 2026
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IKEAProjekt CardConfirm before you buy0% for 6, 12 or 24 months on $500, $1,000 or $2,500+Minimum: $500True 0%Ongoing
  • Unpaid balance starts accruing only after the promo, never backdated
Verified Oct 25, 2026
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Not guaranteed 0%

BrandOfferVerdictEndsThe fine print
T-MobileEIP and Flex 36Confirm before you buy36-month device payments at 0% to 24% APR depending on creditNot guaranteed 0%Ongoing
  • No longer guaranteed 0%
  • Ask for the APR in writing before signing
Verified Oct 25, 2026
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Deferred interest: proceed with caution

BrandOfferVerdictEndsThe fine print
Best BuyHoliday 18 and 24 monthsNo interest if paid in full: 24 months on $699+, 18 months on $499+Minimum: $499Deferred interestDec 25, 2026
  • Full interest back to day one if not paid in full
  • Deferred interest: this is not 0% APR
  • Short holiday window
Verified Nov 3, 2026
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