I have a Bernine (trade in from my older machine) and found a used one at that!. I love it and have had it since January, 1999. They do have a good payment plan. I had a year with no interest and paid it off as I could. My machine is a model 170. I have added a couple of attachments over the years when on sale. Get a good salesperson to show you and watch for sales. The person who traded her machine for a more fancier one so I lucked out! Nothing wrong with it and still had full guarentee. I have sewed for many, many years and love my Bernina!