They guarantee you get approved. The problem is, if you have decent to bad credit, They will tell you have to have to make insane payments over 4 months before receiving the product that you are purchasing. So, instead of payments of $30-monthly, they want $34 weekly for 4 months before I ever see the product. I do not beleive it that and I do believe that is against the consumer act of canada. The sales person was extremely rude to me as well.