I purchased my Bowflex thinking it would be great, the equipment has stood up to the commercial. I have been paying on it now for YEARS. They will not work with me on a plan to get this paid off. You can not pay up your payments, you have to make a payment every month even though one month you may be able to pay up two months payments and if you can't pay the next month you are charged a late fee and in my case with the late I am now over the limit. I have let them know of problems and that my hours have been cut along with having to take... read full review »