I’ve used it a few times, I used it for 2 pairs of vans for the kids to go back to school, so £40 for 3 months instead of £120 straight up was good for me after buying all the uniforms etc. I used it at Xmas time for trainers. I pay it on time and it’s interest free, affordable as a single parent. I don’t have massive amounts of spare cash but I budget well and no one goes without. Same with very, I order things we need and pay back before the interest hits, works out the same price as if I paid upfront and my credit rating is fine.