Interest-Free Instalment Offer Analyser
Check what a 'buy now, pay later' offer really costs.
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[VERIFY] is an editorial flag, not a blank to fill. Wherever the prompt shows [VERIFY], check that item against a reliable source before you use it.
Help me analyse a deferred payment or instalment offer. Item price: [PRICE]. Offer terms (number of payments, fees, interest after promotional period, late fees): [OFFER_TERMS]. My income dates and budget for the period: [BUDGET]. Show the full payment schedule in a table, the total cost if all payments are made on time, the cost if I miss one or if the promotional period ends with a balance, and the equivalent annualised cost where interest or fees apply (explain how you computed it). Compare it with paying in cash from savings or waiting to save, listing the trade-offs. Provide a fit check against my budget for each payment month. Add questions to ask the retailer and a note on how this credit may appear on my credit file, with rules marked [VERIFY] for [JURISDICTION]. Do not tell me whether to use it. Treat this as learning material only. For tax, benefits or legal rules, ask for [JURISDICTION] and mark the statement [VERIFY] so I check it with a qualified person.
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