Yes, this site is overpriced, but what do you expect with the line of credit and finance charges they offer... I bought an iPad2 from them... received it quickly, even though it said on back order... and all I'm paying is $35 a month and like $5 is for finance, and I can always pay it off faster... the iPad was also brand new, not refurbished... I'm using it right now to post this review... I've had it for 3 month with now problems, and no problems with making my payments.