Financing Plan Types We Offer: 12 month plan no interest, no payment down. As long as it is paid off in 12 months no interest. If no payment is made, 17.9-26.9% interest rate. 9.9% APR for 96 months. ***Plan type can be changed if no transaction was made. *6 Month purchase limit from credit approval date Advantages: $3.5K minimum approval $65K maximum approval