Sometimes we have to take these kinds of deals. It is good that you are educating yourself of all of the ins and outs of the 'deal'.
I believe if something like this works for you right now then go for it. Some poster have already posted some issues to be aware of.
Another is. You will pay a higher price for the furniture if you do the 'deal'. If you pay for the furniture out right then you can negotiate a lower price. So that is another way they get some extra money out of you.
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