Im going offline now, but quickly.

Basically even though its interest free ... Which it quite literally IS... NO CATCH EVERYTHING is interest free IF you want it

you can defer payment for a year etc OR commence payments 1 month from del etc, for up to 3 or 4 years (dunno what they are offering atm, was 5 years when I was there!!!)

You STILL take out a loan with a seperate finance house.. you will be credit checked etc you still owe the finance co the money, IF you take ppp (dependant on terms) you'll be covered for the usual death sickness redundancy etc... again when I was there it was actually a VERY good policy and VERY good VFM, as the laon was interest free...

If the option you choose is to defer payment for 1 year then clear it .. there is no penalty OBV and the ppp wont cost you anything ....