This is a total rip off, they tell you, you have to make 5 monthly payments. None of these are credited to the purchase price, and you can only cancel; after they have taken 5 months worth of payments from you. Than you have a option to buy it for MORE than the price it was sold for. Its no wonder Sears is going bankrupt, all the Sears stores in my hometown have failed. It used to be a store and a brand you could trust. NO MORE. I will never set foot in a Sears store again.