i am using it also and bought a craftmatic bed and i am still paying them and my payments are 103.00 a month and i have been paying them on time also. They had the nerve to charge me a late fee so i called them and told them I did pay you on the due but they didn't receive until the next and it is electronis payments. I know the interest rate is hight also and is 25.99% and that is way to high. It is almost like a preditory lender. Please be careful when you borrow. I would of not bought the craftmatic bed but i did because a salesman came from NH and i felt i was con into it. I told him i could not afford it and he said we can get you a loan. I would never do that again. From, pam in lynn, mass
