I've had the best experience with Conn's, and their extending credit to me to purchase an up level Washer / Dryer laundry system. Yes there are two different financing options, one for those that may be somewhat credit challenged (like me), and those that have near perfect credit. Obviously the first type of account has a pretty steep interest rate, but if paid on time, you do have early pay off options that will reduce the cost of financing. Granted the second option's interest rate is ultra low (which is where I'll be on my next purchase agreement). I have to chuckle as folks here are rating Conn's poorly? If you pay your bills early or even on time, then doors will open in the credit arena. I've never had anything but the best experience with the sales people, the crew at the front when you first walk into Conn's, and the customer service staff on the phone. I'm thankful they've approved me for my high end appliances. And in the future I will be in a different credit bracket, which will ultimately save me 100's if not 1000's on the financing costs. Frankly I love Conn's. One more thing, GE Capital is one of the biggest, if not the biggest financial institution out there. If you have them as a creditor, consider yourself a good credit risk. Why others have come here and posted negativity about GE CAPITAL is beyond me. They are in business to provide the consumer with credit, yes there are credit standards that have to be adhered to, then again, purchasing something now and paying for later is still a luxury. Personally I'm thankful for GE CAPTIAL, and the many doors their reputation will open for me in the future.
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You can get easily approved for these and buy a new surround system or washer/dryer etc. and it will help with your credit...HOWEVER--the hidden fees are pretty ridiculous and if you're even a day behind on your payment, they will harass you NON-STOP. I'm pretty good at paying my bills on time, but no joke, they called me 17 times while I was on vacation one weekend...because I forgot to pay the $22 minimum bill payment. I repeatedly asked them to stop calling me and got nothing but rude, aggressive reps. Never had such stress and turmoil in all my credit history! lol. Not worth the hassle. You're better off at IKEA.
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