HTC appears to be struggling to sell its flagship HTC One, despite rave reviews, an expensive marketing campaign, and plenty of praise from pundits and users. So in an effort to shift a few more of them over Christmas, the company is now giving U.S. customers interest-free credit over two years with $0 down to finance an unlocked handset.

The deal gets you a 32GB One — HTC’s best and most expensive “normal-size” smartphone — compatible with AT&T and T-Mobile in the U.S., for $599. No contract is required, and you’ll pay as little as $25 per month, with nothing to pay upfront. Over 24 months, that means zero interest.

If you happen to miss a payment, however, HTC will charge you 30% interest.

The finance is organized by Fortiva, and of course, you’ll need to qualify for it. But as long as you can do that and you don’t miss a payment, it’s cheaper than buying the HTC One on a two-year contract.

It’s worth noting, however, that in just a few months, we’ll be welcoming the One’s successor into the world. It’s expected to look the same as the original, but with newer, faster internals and possibly a fingerprint scanner. If you can wait for the new model, then, we recommend doing so — though there’s no telling whether this particular financing deal will be available with that.

• SourceHTC
• ViaAndroid Beat