AcceptanceNow

We went into a Ashley's store looking for decent furniture. We ran our credit and they said our credit score was a bit low for financing in the store. They sent us to the acceptance now desk in store. We were immediately approved.
Little did we know our $150 per month payment was going to double, our $4,000 furniture was going to cost almost $8,000.

So, when we got to the signing I noticed the changes. At this point my husband was so stuck on getting it that he agreed. We both thought at the very least this would help our credit.
NOPE! Just like a rto store it only reports if you don't pay it off. Never again... next time if I can't finance through a bank I'll just pay cash

Using this service was THE WORST mistake my husband and I ever made! This people are a scam. You end up paying much more than what the item is worth and they have shady practices. The customer service reps are out of control as well. They have no credibility! I will make sure I share these reviews with anyone I know even thinking of getting involved with Acceptance Now.

This company should be shut down for taking advantage of people. I was not explained the whole contract and everything is emailed to you after signing it. My kids bunk bed was $1400 and after paying $800, $600 went to interest after the 90 days. Only 30 % goes to my principles and 70% goes in their pocket.

Apparently, I signed up for the cash price if it was paid off entirely within 90 days (no interest would be applied). Unfortunately, not paying it off in 90 days makes the entire purchase almost $2000 more because you are subject to paying the entire interest of loan even if paid off early. Do yourself a favor and by no means do this. I spoke to Daisja before the 90 days were up where I paid 3/4 of the loan off and she never mentioned to pay the balance within a month to avoid paying interest (mind you i never expected to be charged interest for 21 months paying an extra $2000 for a couch that is not even decent quality). Worst company I have ever dealt with and shocking that Rooms To Go furniture store does business with these people.

There is only 1 time I might suggest this as an option, if you already know you will pay it off in the grace period, otherwise you will end up owning 3-4 times as much as you intended on paying. But for credit building, it works as long as you make payments on time, but my advice is, there are better options. You can take a loan out from your bank for an amount that you already have in the bank, it builds credit and it is a hell of a lot safer. AcceptanceNow can really put you in a deep financial hole, quickly, so the idea of buying something and building credit through them, not worth the risk. My personal example, I need to pay $1974 within 90 days, otherwise the amount I will have to pay is $6196. 88 (plus tax).

This finance company is structured to make it very difficult to pay in the 90 day window to get the same as cash option. Customer service is horrible to even speak to if you can get them on the phone. There is no option online to make any other payment than the full term contract payment so you have to call. I waited 45 minutes on hold until after the office closed and never was able to speak to a representative. I have had multiple issues with the website that make it very difficult to process a payment. This company is structured as a vacuum cleaner with the nozzle in your wallet.

They tell you it's a loan from the beginning, then hike up the prices and later you find out its a rent to own service. I took out assistance for $980 for a bed last year. They told me I was going to finish paying it in March, but I'm still getting charged monthly. I did investigation to figure out why I was still paying. For my $980 that I took out with them, at the end of my plan I will have paid them $2800. Triple times what I had to pay them. BIG SCAM! If I could report these people to the police I would because they're chiefs.

Less than one star actually! Finished paying them off in March, they're continuing to bill my account and are giving me the runaround now that I've made them aware and am asking for my refund. Corporate told me to go to local and local referred me back to corporate. I also have tried to manage my auto pay and the website won't let me remove it. I'm going to let my bank know that they're committing fraud and will more than likely have to go to small claims court.

Don't finance with them unless you're an idiot and can't read contracts. The interest is exorbitant, and it's almost impossible to get someone on the phone. The website doesn't work. Predatory lending at its finest.

I purchased a mattress from Rooms to go using acceptance now with the intention of paying it off within 90 days. They offered me 90 days same as cash. They didn't tell me they would do a soft credit check. Which I don't have an issue but why not tell me. I have paid this off before the 2nd month with an additional $100.00 for the rental contract. Never told to and sounds stupid. But they said on top of the tax the state charges tax for each payment on top of the original tax. If that was the deal going to be it. But not tell me and change later is BS.

I called into to see if they could extend the buy out. I leave in New York City and as we all know it's on Shut Down. I was told by Chrissy that is not a opinion the offer. I also explained to her I'm not asking for more time because it's my fault, it's because I can't return to work until the Governor opens my office for work. She continued to state the I can do the regular which I'll be paying more. So I'm writing to let everyone know that this is not a company that you want to deal with. The will not help you when the country is in a state of emergency.

I took 2,000 loan and there was a 60 days return and we call for return 15 days after purchase and no one help, we ent to the store and after 7 time they promise me they wont report me as late or damage my credit.3 month later they send me collection for 5,000 and damege my credit over 100 point and keep reporting every month. Dont do it!

Purchased 2 of 4 items through My own checking account and after the horrible delivery where they took my front door off and left with it off I noticed after paying twice that my balance wasn't right. I made 5 payment in 120 days and they left me after 3 weeks of attempts to get someone to fix the balance with no resolution forced before Xmas to pay 1500 when the initial cost was 2000... acceptance Now doesn't want a payment in 120 days. They want to make triple and I called and spent so many hours previous to my 120 days and nobody cared.

Run from this people, they are totally scamming people. Customer service is zero to none. You will be on the phone for hours before getting a rude agent unwilling to assist. Their website keeps locking you out when payment is due so they can charge you for penalties. Called multiple time in reference to an error in a payment they automatically processed causing me an additional $400 and the District Manager from Clermont Florida named Theodore was extremely unprofessional in the matter and basically told me to F@#@ O#$... Acceptance Now will never get another cent from me and the family again...