So sorry that your dealer won't work with you, my local Babylock & Brother dealer are both good at that, if you pay cash they deduct what they would have paid in fees to the credit card company.
the Babylock dealer moved too far away for me but the Brother dealer still local.
I also seem to remember special April deals in past years, if I hear of any I'll post
BTW, the Cresendo is a great machine!