some quilt shops offer 18 months no interest on machines over $500. The sit down handiquilter I want is not as expensive asd the stand up long arms. Those take alot of $$$ to even 'use'....you have all sort of accessories that are extra. with the sit downer....pin baste (have a pinning party at your church or quilt quild) and just do a simple free motion. All you need is a chair, power, and thread. Ha ha. I hope I can get it one day. Having a quilt quilted is expensive...VERY expensive. Unless you have some dear friends who will do it for little or nothing! Good luck!