Beware of the "Promotional 0%" offers that HHGREGG is very quick to sell you on. They failed to explain to me that once the 12 months has expired and if your balance is not completely paid off; you pay a 29.99% finance charge for the entire 12 months on the spot. My tv was $1100 and I ended up paying $315 in finances charges alone right after the 12 months expired. Eventhough, I never missed a payment and my balance at the end of the 12 months was less than $500. I called to see if they would work with me, even a little bit but they didn't care. And, people at HHGREGG were very quick to sell me the TV but didn't bother explaining the terms of the promotion. Never shopping there again.