No Money Down, No Monthly Payments and No Interest for 18 Months special terms until May 2011 apply to purchases charged with approved credit to the Sadler's Home Furnishings card issued by Wells Fargo Financial National Bank. Regular terms begin the day after the no money down, no monthly payments and no interest period ends. For newly opened accounts, the regular APR is 18% and the default APR is 22%. Offer expires 01/18/2010.