Through financing FI will get there money from whomever as soon as you sign that dotted line. The person financing is the one taking the risk. Say you purchase something at the price of 10k. If you have no interest at all and set up a 36 month contract your looking at a monthly bill of $277. Personally I plan on putting more than half down and maybe financing the rest. Leave me some leg room for the install and tuning. Then again I might wait till I can pay it off in full and not have to worry about another bill.
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