I called the number on www.oneshotfitness.com (888-348-6728)and spoke with a guy, Aaron, about purchasing a treadmill. He was very informative regarding the machines and what his company (a warehouse)does to the equipment as far as refurbishing them. I then asked him about financing and he went on to tell me that he could take my info and shop me the best rate on financing, etc.He went on to tell me how it would be better for me to get a 0% credit card because it's essentially the same thing as financing. I figured I would think about it... read full review »