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I had also been looking to take some finance if possible to give me a credit rating in the USA.
The young lady had also given me information on the guarantee.
I considered backing out at that point but the young lady looked so earnest and from the calls she had been having with her boss, I felt I could not (Yes I guilt tripped a bit). However, when she was going over the guarantee again I have found that the 'bumper to bumper' only lasts three years and there is a cost for any rebuild, currently about 0, which will go up with inflation.
The purchasable guarantee on the reconditioned at Walmart was .99 for 5 years total.
I found reconditioned models for around 0-00.In the last stages of the purchase we were told that this was not certain.The finance company said that we might pay less depending on how long we kept the finance and the possibility of early repayment penalties.However I was also going to buy a carpet washer and floor mop, and the Kirby does all of this.
I did some thinking and calculating and some online research.I don't know what effect it would have on my attempts to build a credit history.