As some of you may know what carl harts bicycles is in ridge,NY may be i had got a TREK hardtail 3 series bike and i can pay it of within in a year 0% intrest and my dad bought and i have to pay it off. its a great deal. i think if any of you need a new mtb get TREK bike at carl harts and you can pay it off in a year. ITS A REALLY GREAT GREAT DAEL!!!!!!!!