@BabyBluez I would say if there is a benefit to 90 days, is so you can put aside that $25 each month and put it in a savings account and let it collect interest, and then make the 90th day payment. Not much interest on that but I guess that would be the only benefit.
I liked the 90 days just for that reason, allowed me to put that money aside and let it collect interest, and then put that interest in another bucket that collects more interest ($75 every 3 months sitting in a basic 2% interest or tax free account will get you some small change, or pennies, but hey I'll take free money any day regardless how little). By making payments every month you don't get that opportunity to put aside that 3 month amount to collect interest.
Other than that there is no benefit to 90 day or 30 day. But from what it looks like it's only a matter of time before they completely phase out all 90 day options. So if you like it then I suggest you jump on it now before that option is no longer available.
