0% Interest Did Not Fix Cash Flow

What this visual is for

Put the full purchase commitment, repayment dates and essential spending into one view.

Before you use it

• Figures in these examples are illustrative; replace them with your agreements and actual payment dates.
• 0% interest does not remove repayment obligations or cash-flow risk.
• EU Directive 2023/2225 expands consumer-credit coverage, with measures applying from 20 November 2026, subject to exclusions, transitional provisions and national implementation.