When I moved last year, I bought my furniture from Leon's, and signed up for the don't pay for a year or whatever it was. However, if I took the entire year before paying them, there was a fee attached. If I waited six months, there was a fee attached, and so on. I think that if I paid them in full within three months, there was no fee, so that's what I did.
I think the best solution is to just pay them in total, up front. If you can that is. Because who knows what is going to happen in 2 years. If you can't afford to pay them at that point, you are screwed, because as mentioned, the interest accrues from day one.
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