Total sham! If you want to pay triple for something, then by all means, this is your company. You'd be way better off to put the electronics or appliance on a credit card. If you buy $400.00 dollars worth of stuff, expect to pay back $1400. 00. That's around 220% interest, and yes those are real numbers that I have personally experienced. It's a total con! Expect to give a checking account routing number, and for them to take pretty much whatever they want out, whenever they please.