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I had a similar issue wanted to take out the 24 months 0% intrest free credit, got approved and at check out it advied 0% for 4 months. Very confusing :S
Yes Im really confused as well! A few days ago I arranged to buy the Galaxy S8 via the Samsung website, and clicked through all the pages, (on a mobile phone) choosing 24 month repayment, and the payment went though debiting the whole amount from my account. I had to go through cancelling the order with Samsung, and looking at my Paypal account i can see that the full amount due to debit my account, but I also have a refund pending, which can take up to 7 days! Today, as I still want to use the offer, I tried to order again, this time on a laptop, and did get through to the instalment plan age, had my Paypal credit account approved, but it said 4 months 0% credit. This whole process has been incredibly unclear and confusing, and im still not sure how or if i have the 24 month payment, or any clue if i have how it will work. Not good enough Paypal. Another way of making money out of us through confusion and lack of information.