Yep, what the world needs, more idiots in debt
I hope they have got a licence for lending
I'm sure it would survive on its massive markups.
In all seriousness though, it may well be 0%, but if you can't afford to drop £400 on a new bat in the first place, the interest rate would be the least of your worries when the repayments start.
0% finance is a no brainer! Can have the product and not have to save up for it, spreading the cost without an increased cost. So £400 on day one or roughly £30 out of the next 12 paychecks I know what option I'd take.