Erm, cheers for the advice, but I've already sorted out a direct debit which means I'll have paid it off within a year.
So I get all the stuff now, pay £100 a month, pay it all off within a year and don't pay a penny of interest.

Which works for me.

You found a bank doing willing to do an interest free loan for a year? Cos I haven't.

Doesn't seem that dumb to me...