<prompt> Human: Made all of the payments on time on a one year no interest loan...almost, was late on the last payment. Now they want that payment plus all of the interest. Called the bank and they are holding their ground, stating that I am responsible to pay this interest. This seems unfair considering all of my other payments were made on time, it was strictly an oversight on my part. Do I have any recourse? I have worked very hard to improve my credit score in the past couple of years and it kills me too think that because of this one stupid mistake that this will ruin all my efforts.Assistant: I am not just mad at myself, cuz I knew better, but I am tired of these huge companies taking advantage of less educated, uninformed folks with their fine print!  <response>: they didnt take advantage of you. any time someone offers you a service, they are trying to make money by providing that service. this is simply how they make money on 0 interest loans. 