@sapphire @feld @DrBtc @Hoss @olmitch @sun If I offered you a loan with no interest I'd be a sucker if I wasn't benefitting from it somehow. They make a bit of profit on overvaluing phones and getting mass purchase discounts, but the real money is getting you to pay for the monthly service. They're not doing it out of the goodness of their hearts, but money is more valuable right now than it is in the future, so 0% loan is not the bad part of buying a phone from a carrier