Overall, I would not recommend Financial Pacific L...

Overall, I would not recommend Financial Pacific Leasing, Inc unless you know what you are getting into with them. I was also misled into thinking that I could pay off an equipment early that I am currently leasing with them. However, I found out that they charge double on what is worth (equipment which was 5,000 dollars) which they call "interest fee" that I think it is too high. They also tack high late fees a day after the due date. It seems that there is no grace period with them. I only have been with them for three years and there is no sight to complete my agreement with Financial Pacific Leasing term at this time due of closure of my business.
They will be willing to work with you if you ask nicely. Only downside to the service department is that it is very hard to get a hold of them. It would be hard to find out the payoff amount with them.
There are several people who used Financial Pacific Leasing to purchase same equipment as mine and they are having hard time with them and the most common complain is that FPL misled them regarding amount financed and payoff when certain numbers of payments are met.
Again, please do your homework on them before dealing with them. It is very easy to get financed with them but it is at your risk.
If you really want to finance any equipment, I would suggest using any banks or credit union which will provide better interest rates and easy to find out the payoff amount.