The easy pay is a great way for people to who cant afford a $300+ engine,kit or arf and its a great way for them to stay in this hobby, especially in these hard economic times. I can understand that people will always say" If you cant afford it then,you cant afford it" its the double edge sword situation, but if your responsible then you have nothing to fear. 0% intrest, no fees, no gimmicks, I have used it before and I have used credit cards..and credit cards can be tricky and can be the devil but it all boils down to being morally responsible. I see no harm in it what so ever, if your more comfortable paying cash or waiting til you have cash on hand, then Great for you. Some people need an extra hand ie easy pay. Either way its directly & indirectly keeping this hobby alive and growing..so i embrace the easy pay feature..i'm surprised they even do it! Kind of gives you the ole mom and pop feel that i have at my LHS. In which they offered me a line of credit based off my going there at least 5 times a week lol...oh well if it keeps you happy and sane then make a good solid adult decision.