Yes. I have made two separate purchases with them and was able to pay them off within 90 days. There's a catch. You have to call and ASK them what your final day for early pay off is. They will not provide this information unless you ask. They don't even give you this information on your account on their website. They give you the number of weeks in your contract but not the day. Since your payments come out on Friday and your 90 day payoff day could be several days before that, this is not helpful. If you miss this payoff day you end up having to pay outrageous fees and interest rates. Because of this I honestly believe they do not want you to payoff early. Also, when you do payoff early ASK them for proof of early payoff. Again, they will not provide this unless asked and it still takes them about a week to send the email confirmation. And once an account is paid you cannot view it online anymore. This company has a lot of shady business practices.