Even got Rain from honor summon <| sep |> rip agi best of love 2 u <| sep |> I built my whole home from scratch . I dug the footer , laid block , roofed it , etc . but I ' ve never done HVAC so I hired it out . Well . I worked out a contract with the gentleman from my , formerly local but now nationally owned chain , and we shook hands on it . It was a 60 month financed at 6 . 7 % APR . We had gone as far as working out my monthly payments before I agreed to sign . Well he ' s doing this in front of me on his computer and he prints it off , I sign , and he says I will receive my copy through email and a paper copy via mail once he sends this off to corporate . Well I never received one through email or mail , but I got my first bill . It was way cheaper than I expected . I did some of that fancy math and determined I now had either a 10 year loan or someone had used a 50 % off coupon on my behalf . I call the company and they confirm , 120 month loan , 12 % interest . compounded . DAILY . I WAS BEING CHARGED $ 1 . 76 interest PER DAY . There I was with no contract in hand , my word against a giant companies , and I was taught a very important lesson . Never walk out of a negotiation without a contract signed and in hand , never assume people have integrity or decency , and always assume people are actively working to ruin you to get your money . That lesson has saved me a few thousand in the last few years . In all fairness , their work was impeccable and I haven ' t had one issue with my system . I paid that loan off in under 12 months and will never finance through that company again .