If you can't pay for it up front you shouldn't be buying it at all......
Yup! If you can't pay $20,000 up front for a new vehicle, you don't deserve to drive. /end sarcasm
People finance used cars under $10k because that's just life. What's the difference of someone budgeting a savings plan of $200/month set a side so in a year they have have a specific toy? And financing that toy at $200 a month and having it now?
You can't blame OSTS or any other company that offers financing for bad budgeting practice of idiots. If someone's going to finance a rifle, car, girl, or what ever else they can't really afford to, then that is their damn mistake to make. So long as an individual does the math it really does not matter which way one goes about purchasing an item. Some people like to spend the small bit of interest to pay off something fast ((fewest months)) and build their credit for other massive things like a house! Some people have the coin sitting around but don't want to put it out the door all one go because they're constant rainy day worry warts. This lets it slip out their pot in small sips that are easier to top up in the account than one big bang!
Besides, I'm sure very few people here have ever not had to rent their own place because they could not afford to buy a house, or were in a job where it made no sense to BUY a house because you may be moving in a months time, years time, two years time, but don't know it ((Military)). Bottom line, the more payment options available for shooters the better, but we have to remember to teach ourselves and loved ones ((specially our damn children)) to be smart with their decisions and to research ALL those options first. They all have a pro and con.
Good to know Darren. Only way to build credit positively is to use it! And its always nice to not throw $3k out the door all one shot; only to break your damn leg the day after!
