Boy, talk about complete deception&this one truly takes the cake. No APR? Down payment of 30% on purchases? Automatic monthly payments from debit checking account? Fishy? No, just low down "scum" (not scam). I wasn't quite sure what this was all about so I went along with my "gut" feelings to search on this company and what do you know? I am so glad to have found "Rip-Off" Report to prevent me from becoming another "victim" with First Natonal Merchant. We need to shut down this company&unethical business and no sense of "integrity".
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