I would not advice anyone to finance or lease to own through TRS, Inc. This company is a rip off!!! How long will you contract last? How to figure what you will be paying a month? For example: Buying furniture for $1000.00 multiply it by 3.25 dividing it by 24 gives you the rate which is $135.41. Then multiply the rate by 1.187 = month payment = 160.74 for 24 months. Basically you will be paying $3857.75 for furniture originally $1000.00!! 24 months is the term, but in actuality that is not the fact. Once reaching the end of the contract, the company requires you pay a double payment just to close out the account, open ended contract which NEVER expires. Was I told this when I signed up?? Of course not! When a problem arises and you want to speak to a manager, they are no where to be found. After leaving a message after message the manager still does not contact you back. Bottom line if YOU WANT to get screwed, do business with TRS, Inc.