My wife and I needed new washer and drier. We went to Sears and were not approved for a credit card. The salesman told us we could lease the washer and drier for 6 payments of $233.33 month and at the end of the purchase price of $1399 we just call Why Not Lease it and tell then we want to close out our lease and keep the items. The customer service rep said we were lo ked into an 18month lease at $233 month or we had to pay $960 to close lease early. WTF. Who has that type of money readily available? I told here that's not what the Sears salesman sold us on... She didn't care that a representative of there business sold is on false information. So now I have to come up with a payoff within 30days or face penalties... DO NOT USE THIS SERVICE YOU WILL REGRET IT !!!