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: This is deferred interest . If Maya didn't pay the full balance by the 18th month, she’d be hit with interest charges calculated all the way back to day one.
: Her payments could be as low as $20–$33/month .
: At month 37, she’d owe a larger "Balloon Payment". She could pay it to keep the Mac, or simply return the laptop to Best Buy and upgrade to the latest model, at which point Best Buy would satisfy that final payment for her. The "Predictable" Route: Affirm & Zip