I have a Bernina 180 which is my traveling macine and a Bernina 550QE. Bought them both on 48 months no interest payments with a Bernina card. It's easy enough to get if you have a job. Right now I think they have a deal where there is no intreset until FEb. 2017 if you spend a certain amount. Go online to Bernina USA.com and check it out.