This service was very easy to use, I got pre approved a couple of weeks before we made a purchase so I knew what I could spend on a new living room suite. Everything was a breeze, just make the first payment on the day you sign and it comes out your account automatically every month on that date. I do however have one complaint. I wanted to make a down payment to reduce my monthly commitment and the only way to do that was going to be a long winded palaver and way to complicated so I didn't bother. That means my monthly budget went out the window which kinda sucks.