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Practically looks likes buy here pay here but Urban Home doesn't seem like the place for such a thing.
with a little research Crest has TERRIBLE reviews and im kind of confused why Urban Home would use someone like them... they could easily get Comenity or Sync to offer them a card
Crest Financial
I never had a problem with them. They offered no credit loans on furnture. I only had to put $40 down and pay for delivery. The payments and schedule were clearly stated in the contract you sign.
I never had a problem when I needed to change or delay payment dates.