When I was younger and was just freshly moved out, I used BNPL 0% interest a lot (iirc it was Newegg, was like 15 years ago). It was kind of necessary to get a computer and I had just got an RA contract that paid stipends monthly, guaranteed for 5 years.

If you already have money and can get 0% interest, you can reinvest that cash as long as you can guarantee a payoff (set reminders!). You can put that $2,000 in a CD for that exact amount of time, too, and earn yourself back 3%-4%. That said, they might have caught onto my grift cause they usually offer 5% back OR 0% interest, lol.