You pay for the wrap material upfront. This ensures we're not "upside down" in terms of real dollars. We don't profit from buying the wrap at one price and selling it to you at another. All quotes reflect our cost to acquire the wrap. In turn we don't get paid for our professional wrapping service until we've met expectations. Upon completion payments can be made upfront, in equal installments, or as a balloon payment in the twelfth month. There's never any interest or credit checks. We just need to know what schedule works best within a 12 month period.