Their business model of offering financing for low cost consumer items always made me uneasy about how much they were contributing to consumer debt for people who couldn't really afford it.
I've used them before, but they didn't make a cent off of me except maybe by getting surcharge from the seller. If you read the terms of the 0% loans and budget appropriately to pay off in the interest free period they are perfect when you want to avoid carrying a credit card balance or selling investments to make a large purchase.
However, I always recommend that people avoid these loans if they couldn't pay the loan off in less than a month anyways. Too many people get trapped by these. But the same could be said of credit cards and banking in general.
I like that the loans are a fixed schedule and have no compounding interest, fees, or ways to get me into further debt beyond paying what I committed to pay.
