I purchased a laptop with zibby last year, and the interest rate when not being able to pay within 90 days is horrendous. I will never use your service again as the laptop ended up costing me double, became useless for the central purpose for which i bought it for and broke immediately out of warranty. I feel like a sucker and like a person who got dragged through the mud during my 1 year contract. I also forgot the time that your company decided to pull funds out of my account without notice or authorization to make up for a late payment, therefore costing me more anyway with bank fees tacked on. If I find a way to take you to court over this I will. Wish i could get some of my wasted money back