Acceptance Now is a complete rip off! The sales staff out right lied to me and said there would only be $40 total taken away from all the payments I made as long as I payed my account of before 90 days. I was making payments of $355 and out of that only $284 was going towards my principle balance. I have made three payments one for $99 and two for $355 thats $809 they have only given me credit $609 wheres the other $200??? They are thiefs!!!!!!! DO NOT TRUST THEM!!!!!