I have used this twice to lease items from Sears. I've paid both items off within 90 days and I found it to be a good deal. If you lease it more than 90 days, you are a fool because you will be playing probably five times the amount your item is worth. Just know that if you plan to pay it off within 90 days, you must pay it all at once. They don't let you make partial payments for the 90-day payments.