Got your eye on a Moto X or Moto G, but just don't have the scratch right this minute? Motorola still wants your business, so it's offering to finance phone purchases interest-free for up to 18 months, provided you're credit-worthy. Sorry, we cannot vouch for you.

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If you're willing to spend $549 or more, you can get no interest for 18 months with nothing down. That's more than the full cost of the regular Moto X, so you'd have to buy the Developer Edition (or the Droid Maxx) to take advantage of this with a single device. Or maybe you plan to buy a gaggle of Moto Gs? If you're spending less, you can still get no interest on the bill for 6 or 12 months and nothing down (depending on credit).

Keep in mind that if you don't pay off the bill within the allotted time, you'll begin incurring interest charges. Financing programs like this are usually high-interest and this is no exception. If you get dinged by the interest payments, its 28.99% APR. Still, it's a good deal if you need a new device without paying upfront and don't want to go through the carriers.

[Motorola Financing, FAQs (PDF)]