Yes they bait and switch when you think your buying the product your actually leasing the product for a year with ZERO money going toward purchase. After you have wasted a years worth of payments on "leasing" you can begin your very first payment toward purchasing the item.in my case a total of 3 and a half years!
First year money goes to nothing. Next 24 months or two years money goes to purchase. Toward the end you will recieve on statement how many approximately number of payments left.
Watch closely though as it will say one month 6 more payments then the next month 6 more payments and never seems to go down. So glad i finally got out of that nightmare.
Product or Service Mentioned: Krw Associates Loan.