re: 78 worry free payments for a total of $2339.22

quote:

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By law don't they have to be given the equivalent of an amortization schedule so it's all in black and white?

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I don't think there is an amortization schedule. I've never purchased anything from any of these places, but I believe that since it's rent to own, you don't own it until the final payment is made. If you return it after 2 weeks, all you pay is the 2 weekly payments. You're not on the hook for the balance of the "principal".

Like another poster mentioned, when you get something from a RTO place, it may not be brand new. So not only are you paying a shitload for the product, you are getting a product that someone else may have used for a few months.