Season ticket payment plan

[Pompey55]

It doesn’t affect me but the club are offering a payment scheme via a third party financial company which will incur charges and interest payments over a 8 month period by direct debit.
Last season they used what I believe was a managed payment scheme where by season ticket holders paid for predetermined blocks of matches.
Surely in the current cost of living situation this previous scheme is fairer to supporters with tight budgets as this new scheme purely means the club get all the money up front from the finance company rather than over the season,
From a club point of view it’s great but what about supporters working on a tight budget.
Am I being over critical or is this not a crap idea
Just needed to add an edit for any tickets under £404 a flat rate charge if £17 will apply so for example my granddaughters ticket at £90 could cost £107 and my £295 would cost £312