I'll keep it short.
I want to buy my fiance and I some atv's. I have two options
1) Save up for a few months (im estimating 4-6), and buy them outright.
2) Put a decent down payment ($2-$3k), finance the remaining balance ($3-$5k)
IF i go with (1), we wont be able to ride this summer
IF i go with (2), i'll have an added payment and lose a bit of money on interest, BUT i have plenty of extra funds to do an early payoff, AND i'll be able to ride this summer.
-The only "debt" i have is my truck payment (other than rent/tv/internet/energy)
-I dont have a credit card
-I could probably use the credit building a finance would provide, considering i dont have much in terms of credit