Only 6 months old works great. There is no lease to assume or anything on this unit but it will have to be reprogramed in your name with TMS in Nashville in order to use it. Our processing rate is only 1.39% which is a really low rate and our agent (Howard) said he would honor that rate for whoever wants it. If you need ans would like to have just contact him at (615) 593-8759 or TMScardservices@gmail.com it's NOT ok to contact this poster with services or other commercial interests kentucky