I've had credit with John Deere twice. I never had any issues, and the interest rated is reasonable. Only cautuion, if you don't have any activity for 2 years, they close your account and you will need to re-apply. Since I have a fraud alert listed on my credit report, within 5 to 10 minutes they called me to verify that I was who I said I was. Very impressed with how thorough they were. Got an answer the same evening, even with the the hold up due to to the fraud deparment doing it's job!