Why Not Lease It Think your payment is paying the loan, guess again only a small amount goes toward balance Internet

I purchased a refridgerator from Sears and financed it through Why Not Lease It, I called this morning to find out the payoff and she said that you don't have a payoff you have a buyout, I asked what that means and she said you are leasing the refridgerator form them for 248.00 a month and then you can pay the buyout to purchase it.  The money you pay each month is for the lease it does not come off you buyout she said only about 20 goes toward your buyout the rest is a lease payment to them. She said if you don't pay the buyout amount the lease ends after 18 months.  So if I had not called and found this out and just kept making payments for 18 months I will have paid about 4464.00 for an 899.oo refridgerator.  Please don't use this company they are a total ripoff.