OPINION

The following questions were certified to this court from federal district court pursuant to Minn.Stat. § 480.061 (1992): (1) Are rent-to-own contracts consumer credit sales under Minn.Stat. § 325G.15 (1992)? (2) Does the usury statute, Minn.Stat. § 334.01 (1992), apply to rent-to-own contracts? For the reasons set forth in Miller v. Colortyme, Inc., 518 N.W.2d 544 (Minn., 1994), we answer both questions in the affirmative.