Ive used HFS in Pruitts twice now with no problems. I used this as a credit building tool and it works. Yes the interest rates are insane but the monthly payments are affordable. What I did was make 4 or more monthly payments then pay off the furniture in full. This will show in a positive way on your credit report. If you ride out the payments until the end the cost of your furniture will triple or quadruple. You have to have a basic understanding of financing and a game plan to pay off the furniture early. To the best of my knowledge Rent A Center does not report your payments to the credit bureau, unless you miss a payment. HFS reports your on time payments as well as your late payments. If you need to build credit and can pay off the furniture early after the minimum of 4 monthly payments then this might help you.

I purchased two reclining sofas and love seat three weeks ago and still havent heard anything from them. I keep calling and they put me on hold. I just want my merchandise.

Rip off do not do business with this company!!!!!!! DO NOT go to these crooks for anything run as fast as you can these people should be jailed for the fraud they do taking advantage of financing point blank!!!! If I could give them a negative five thousand stars I would!!!!!! Terrible customer service, they lie and will try to mess with your credit severely!!!!... STAY AWAY FROM HFS!!!!

Its rip off save your money or go to rent a center way better deals I got loan for $1,500 put down 460.00 made 7 payments of $230.00 and their telling me I still owe $1,396.00 Im returning my furniture taking my business else were. Learn your lesson on my mistakes guys dont deal with these thieves.