Tried to use it twice and did a bait and switch! They tell you 4 payments at a certain amount and you're like, I can afford that. Then when you accept their terms and click on continue it takes you to the next screen telling you they adjusted your plan. Now they want twice as much for the first payment and now you're like, well now I can't afford it. Don't get too excited about getting what you want you might just be disappointed like my wife and I