Here is the deal. It is a buy here pay store HOWEVER like with most buy here pay here places they have 90 – 120 days same as cash. ALWAYSALWAYSALWAYS read your fine print. Regardless of if you do the 90 – 120 days same as cash or do the rent to buy(which has a very high interest rate & will usually last two years) they will call your employer to verify employment as well as references. So if you don’t want anyone in your business your probably don’t want to go this route. If you don’t pay off in your same as cash time frame they will automatically switch you over to the two year plan with the high interest rate. They have books with furniture that you can check out & get something brand new, you don’t have to do the used stuff. Also they deliver the & assemble the furniture for you. So depending on what you get it may be cheaper to go this route, & they also offer a warranty on the furniture if you pay for it.