We offer 2 different plans; 90 day deferred billing and a revolving charge. (more info)
No, you can apply right now before buying anything. Simply fill out the secure online application and a financing representative will contact you to let you know if you've been approved.
It works just like any other store credit card. It is APY, which means that the interest rate varies. Right now it is around 21%.
The finance company charges a penalty and back interest on the total amount financed.
On the 90/ day deferred billing plans there is no minimum payment. On the revolving charge, the minimum payment is 5% of the amount financed plus interest.