I was within a whisker of signing up for ez pay a few months back until the guy said something about it costing me 10% of the finance amount or something like that, at that point my hearing went dull. Your going to rake a consumer for double digit interest and turn around and hit me for 10% for the priveledge of handing MY customer over to you. I'm pretty sure it's not going to work like that in my company in my lifetime.