Do you have - Buy Now Pay Later - stores where you are?
We have one here in the U.K. and its a complete rip off, they just take advantage of poor people. This one shop has a refurbished MacBook Air which is a later model for over £1000 plus you have to buy their insurance and with interest over 2 years you’ll be paying over £2.500 for a second hand computer. You can get the latest MacBook Air for £1000 and insurance for £5 a month when purchased outright.
Its a complete rip off.