Only use them if you literally don't have any other option. I myself needed a bedroom set for my daughter and a dining room table so we could eat at the table together and stop eating in the living room. My payments for both are $112 bi-weekly. Iv almost been paying that for a year and still don't see the light at the end of the tunnel. My daughters bedroom night stand has a huge missing piece and at the time I was so desperate and only got a half of payment off of ONE time. Now looking at the whole situation, I would have never settled. Especially because of all my hard earned money going into this and a corner of the table is gone. Doesn't quite do justice. Anyways DONT GO THIS ROUTE IF YOU DONT HAVE TO.