These programs are all lease-to-own. bottom line is simple: if one cannot afford the merchandise outright, then one cannot afford to lease it to own it, either.
However, if one only intends to use this company's money for the purchase and pay it off in full at least a week ahead of the 90th day of the contract, then it is a good deal.
The idea is to use Acceptance Now, or any other such program to absorb the opportunity cost of the purchase freeing up one's capital for other things like gaining interest.
However, even a one day delay in a payment renders the 90 day option moot and the customer will be responsible for the long term cost or lease to own (usually 3:1 over MSRP).
Reason of review: Problems with payment.