so hang on...
you get 6 months to spread the cost of the wheel with 0% interest? 
if thats the case mate... and it means u dont end up paying more for them, IMO it all comes down to weather u can afford the re-payments
Thats the key from these company its not a scam or even suggesting it is, but the company has outsourced its finance through a intermedtory. The company selling you the item allways gets the money regardless if you pay or not. The finance company takes care of recovering the money and the only thing they bank on is that after Six months you can't pay the full balance then the pain starts. Check the finance agreement it might say free first six months then it will hit you with about 20%-29%. if the company has done its homework ie they like repeat customers they might have found a decent interest company like 16%-18%.
Your credit card is about the same.
ALLWAYS CHECK THE SMALL PRINT In this world of ours nothing is free LOL!