Any time you want to buy anything, you need to sleep on the information. Never make a decision at the same time the information is first presented. After 1 and a half hours of listening to a sales pitch, we had no resistance left and, regrettably, signed a contract! For what we must pay in joining fees and yearly dues, we could have bought all new stainless steel appliances, put in new floors, etc. What a rip-off! The interest is exorbitant and we were advised to refinance as soon as possible to a company with a lower interest rate by one of the salespeople--another red flag! read full review »