Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited.

Should I pay cash or prefer a 0% interest loan for home furnishings?
Two cases: You take the credit and reinvest the cash equivalent (be it a savings account or otherwise), yielding you the x% at virtually zero risk. Unless of course you consider possibility of your own negligence a risk (in case of missed payments, etc.). You pay by cash and have the peace of mind at the cost of that x%. The ultimate decision depends on which you value more - the $ you get from x%, or the peace of mind.