I purchased a laptop through Peach Direct. I received it in three weeks as they said. But, then they charge you the minimum $45 plus an additional $39.99 per month. And $39.99 if you are one day late. This process is unreasonable, unfair and a person would never pay off their debt! Then the harrassing phone calls from Monday - Sunday starting at 7 am and going past midnight! This service is horrible and I would not recommend peach direct for anyone. Buy on ebay or a local electronic store, you will avoid all the mystery fees! DO NOT USE PEACH DIRECT!