[snakeeyes]

The OP wasn’t asking for feedback on whether he <<should>> finance a purchase, but he sure has gotten a lot of it anyhow. Without knowing his financial position and reasons for wanting to finance it’s irrelevant what anyone else would do. When I bought my first couple of “toy cars” I didn’t have much in the way of cash but had a fair amount of disposable income each month. I made sure I was always putting much more of that into savings or retirement of existing debt than what I was devoting to a monthly loan payment on a toy, and as long as I was doing that I had no qualms about borrowing to buy something fun. Always paid them off early and never put myself in a bad financial position. Yes, they’re luxury items and if you’re living paycheck to paycheck or aren’t really sure you can make the payments every month you should just keep dreaming, but that’s a case-by-case situation and nobody knows the answer to that besides the OP. My two cents’.