They are linked with the purchase of fitness equipment, do not purchase your equipment if they are the finance or lending company. They are deceptive in their practices, if you are even a few hours TOO EARLY in paying your monthly bill, they raise your interest rate and your payment doubles. They do not give you this information until after you have already made the purchase and by then it is too late. You send in your payment and they tell you it was too soon so you breached the terms of the contract. If you are unfortunate enough to have to... read full review »