I recommended Next door since I find the feedback from neighbors to be the most honest.
The markup from the Big Box stores on product allows them to offer interest free.
When I replaced my HVAC Lowes wanted a 100% markup.
I have a friend who works for Trane and he got me the product at his cost. Then I went back to the contractor Lowes sent out and said now give me your cash price and we'll skip Lowes.
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