Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

How can the Samsung Upgrade Programme offer 0% APR?
The financing is built into the price.  I do not have hard facts, but I strongly suspect that very few people buy brand-new smartphones at full price upfront.  Most pay a monthly installment to the carrier or retailer equal to 1/24 of the full price, which in effect is "0% financing for 2 years".  Samsung might be able to advertise a lower retail price and then offer financing at some rate of interest, but from a marketing standpoint, offering "0%" financing makes it feel like you're getting "free money", when in fact it's built into the overall price. Which sounds better, buying an $840 phone with 0% financing for two years or buying an $800 phone at 4.85% APR for two years (both have a $35 monthly payment)?