public function isApplyInterest($installments)
    {
        $return = true;

        $interestRate = $this->getInterestRate();
        $paymentAmount = $this->getPaymentAmount();

        if (($installments > 1) && ($interestRate > 1)) {
            # If we're not dealing with a one time payment and the interest rate is defined, interest will always be
            # applied, except when the payment total is higher than the minimum order value for no interest setting
            $minimumOrderValueNoInterest = $this->getMinimumAmountNoInterest($installments);
            if ( ($paymentAmount > $minimumOrderValueNoInterest) && ($minimumOrderValueNoInterest !== null) ) {
                $return = false;
            }
        }

        return $return;
    }