Friendly service with options. You can use it like layaway, except get your item right then or they do have it where you can make payments for 2 years. If you pay the item off within 120 days, you have no extra charges. You just pay for your product and thats it. I would recommend this to anyone that hasn't got a lot of extra money and needs appliances. Or if you have problems saving money for an item. Plus NO CREDIT CHECKS!!!