We purchased the Pro-Form 995i treadmill directly using the 0% finance available. The whole process was quick and easy to do and the treadmill arrived very quickly. The product itself was better than expected. It is a very sturdy machine with quick and easy start up (once you have built it). The building was a little tricky as the instructions were basic but between 2 of us we got it done within an hour. The oiperating instructions again are basic so we have only used it in maual mode so far, apparantly there is 30 onboard workouts if you want them. The speed and incine respond quickly which is brill if you are doing an interval session. We have had the machine for roughly a month now and had no problems but with the 2 year call out warranty and longer on the motor and frame we feel comfortable that it will last. I would fully recommend this product and Pro-Form