 We have six months, 12 months, 24 months, 36 months interest-free for qualified buyers. We have credit companies that have middle-of-the-road for people with middle-of-the-road credit scores. We have credit programs for people with bad credit. Maybe you've had medical bills or divorce. They have no credit check, and they do have a period of time you can pay it back interest-free. Don't tie up your credit card money. Don't tie up your savings. Use somebody else's money.