My dive shop lets my buy equpiment with very little cash down so i buy everything through them. EXAMPLE: say i bought a $1000 BC vest, all they require is a small down payment. Then i bring them monthly payments (whatever i can afford). But i still get to use my BC vest anytime i want the catch is it always has to go back to the store after it`s use until i pay it off. It works for me and im willing to pay a higher price because im not paying interest to a credit card and i get to use my equipment