Instead of easy pay, the buyer can build a plane in installments. Instead of a $300-400 ARF, buy the $150 kit version or plans and some wood; when it comes to cover spend $50 on a 3 color job, and so on. When all is said and done you will have more time in it, cost will be the same, but you did not have to come up with all the $ right away which lets you space out an engine buy and radio in some form or fashion. $300 arf turns into a $800 plane if you need all the other stuff, which gets financed.

I have 1 credit card for emergencies and it is designed to not get me very far, so I have to pick and choose what ever I want carefully, but also with that, I get what I want in the end, not a substitute.