Harbor freight took advantage of me. I lost my job and house and made what payment I could it wasn't enough. I lost 148 pts on credit score don't use them. They are dirty and all about money I understand needing money but I thought they was about helping the community I was wrong. If your late on your first payment expect to pay a 150 dollar payment. Harbor freight lost me as a customer and everyone else I can talk away from there go to lowes way better