To avoid the worlds largest skam don't let in the Kirby vacuum cleaner salesman. They say that you will recieve a free carpet cleaning but they will only vacuum. The salesman looks around the house to convince you that he will rob your house if you don't buy his product. He may make a couple hinting gestures or comments about well if you don't buy it... Then if you but the Kirby that is more realistically supposed to be priced at $400 for $1500 then you could be in trouble especially after you agree to 6 months of no interest or payments. Is the interest accumulating during that 6 months? I'll just pay it off. But wait, the United Consumer Financial company will not schedule to have it paid off. They will act like they are scheduling it but the payments never come out. It will be sometime down the road before you realize. Then you will call them and you will tell them you want to pay it off and they will say OK but they will not send a confirmation of a scheduled payment. Then you will find out that they didn't charge the payoff amount again. Like a continuous cycle until you only have a few months left to pay. They will say are you sure you want to pay it off you only have two more payment of $92.00. So you will say OK and six months later you will still be making payments of 92.00. So I told them. I tried to have it paid off in full three times and you wouldn't accept the payment. So I'm am finished with them on principal.