I bought a living room set and a sleigh bed from them last year. They were friendly and curtious at the time of purchase, and have always made me feel very comfortable calling to put off a payment until my next paycheck once in a while. If you're open and honest with them, and stick to your late-payment promise, they completely understand and there is no judgement! Ms. Diane that takes the payments is absolutely wonderful! I only have two payments left, and am thankful for going there to purchase items for our home. I will miss calling to give Ms. Diane my payment!