I recently purchased a refrigerator from Hhgreg and I used the Acceptance Now plan. I was terrified at first of using Acceptance Now due to some of the complaints I read online. Kendall is the representative who assisted me with at Acceptance Now, and I had NO problem completing my purchase. The key to making Acceptance now work for you is to make your payments by the due date on your contract. As long as your payments are on time you will have no problems and the process will be a smooth one.