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on 4/2/17I have had nothing but great service. I started with a tablet that I paid off early. I then purchased a laptop computer. I was not happy with the first laptop and was able to exchange it with no questions for a different model. I am now financing my third product... a chest freezer, and am just as happy with it as everything else. The beginning process of bank verification is slow and does take up to a month for total verification, approval, and processing, bit after over two years with them I love this company. Within weeks of paying off my tablet it showed positive account and report on my credit report, just as they said it would.