You can effectively borrow for free by using a 0% purchase card to spread the cost of large purchases such as furniture, a car, or electrical goods.
Use the 0% interest credit card to make the purchase. Then divide the balance on the card by the number of months remaining on the 0% period. Set up a direct debit paying this amount each month to pay off the debt before the 0% deal ends.
Item cost - £3,000
0% introductory offer - 24 months
Total debt ÷ 24 months = £125
Monthly repayment to to clear balance within 0% period = £125