Because in the summer people run the AC more than they can afford and rack up like $300 bills when their off-summer average would normally be like $70. The loan programs are more like a deferred payment plan where they will cap the individual monthly payment at $150 or something, and then just push the surplus onto other future bills. Then usually when you close the account you owe them a bunch of money still, and that's when they start doing things like offering to set you up with loan services.