In our household, we are both avid gardeners. Every year we are adding new beds to our yard for future growth. This is backbreaking work and using a rototiller makes the work easier. We have never had a rototiller so we are starting to look for one. The one we found was $899.99.

1. How much does the item cost if you pay cash, and/or pay the loan off within the terms of the agreement? Purchase Price plus 7% tax.

2. What is the total amount you will pay if you do not pay the loan within the term and meet all the conditions of the loan?

Is there any penalty for late payments?

• If any payment is more than 60 days late, 100% of interest is applied.

3. How much interest will you pay if you do not pay the loan within the term and meet all the conditions of the loan?