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While the introduction of installment payments is seen as a positive development for Square, opinions on this move vary among analysts and investors. Some view it as a long-overdue entry into the consumer lending space, particularly in light of previous discussions surrounding the Square Cash app's potential for monetization through loans. This transition mirrors offers typically provided by store credit cards that incentivize customers with 0% financing options for a limited time. However, it is crucial to note that Square's financing does not guarantee a 0% interest rate; rather, the annual percentage rate (APR) can fluctuate between 0% to 24% depending on the borrower's credit profile.