They state when you lease something that you make 5 monthly payments or 10 bi weekly. After that you call to set up the rest of the payoff which is usually 3 payments of $85. I have gotten 3 TV's a washer and other things from why not lease it I have a TV now with 3 more payments then like always I will call and set up my 3 payments. Great company. I will use them again.