Do no use this company if you have good credit. The way the calculate the zero percent interest is to charge you the full amount and report it to your credit agencies each month and then rebate that amount at the end of the loan. Once I realized this, I paid off the full amount, put a hold on the account and explained that I never wanted to to business with them again. That was over three months ago. Even though I paid the account in full, just days after it was opened, they continue to report that I owe the full amount to all credit agencies. I've called three times to have this resolved and it has only gotten worse. If you have a great credit rating, and I do, do not mess with this disaster of a scam company.