Interest on a transaction in installments
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Question
A gas system was installed in a car. If he pays in cash, the price is lower; if he pays by credit card in a single payment, it costs a bit more; and if he pays by credit card in twelve installments, there is an additional surcharge. However, the company that installs the system says that the reason for the surcharge is that the credit company pays them the entire amount in cash at once and charges them a fee, and therefore they themselves do not earn more when the customer pays in installments; only the credit company earns more. Is this considered a loan with interest only with respect to the credit company, which has a heter iska, or also with respect to the gas company, which does not have a heter iska?
Answer
This is considered a loan also with respect to the gas installation company, since they are in the category of an “arev sheluf dots,” and a heter iska is required with them as well.
Source
Taz, siman 170, se’if katan 2
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