Payment Plans and Total Costs: The advertised payment is the estimated minimum payment required to be made on your National Credit Direct Account for a single item order. If you purchase multiple items then the advertised payment and term may not apply. All amortized payments may not be less than $9.99, which may shorten the expected time period for you to pay off the balance. We do not offer variable rate financing. If you purchase this item priced at $197.99 with a Monthly payment amount of $15.23 for 13.0 Monthly payments, the total you will have paid, including activation and shipping is $197.99.
This price also includes any free gifts you may receive based upon our Reward Points program. This total paid does not include taxes or if you purchase additional items or if there is a returned payment or other fees are incurred. You will be presented with the total amount you will pay for your purchase using our 0% APR financing, according to Terms and Conditions.