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>Nobody lends money for free:

Sure they do. Get a credit card with 0% interest on purchases and pay the balance before the interest free offer period expires. In many cases these cards to not charge any fee associated with the purchase.

I understand that the credit card company will still make a profit in many cases – even when they don't manage to collect any interest or fees. But the loan is free from the cardholder's point of view.




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