Well, there is zero interest if you pay it in full by the allocated date (usually 12-24 months); however, if you do not pay it in full by then (which they try to trick you into), not only do you get charged interest going forward, you also get charged interest for every month that was previously “zero interest”, which ends up being a lot, often more than the product(s) would’ve originally cost.
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Apple does have this patent: