Something is not adding up right. This is not a construction loan where they need your money to buy supplies. Why make a payment until the machine is in your hand? I have not bought a Bernina - I have Janome 6600 and a Viking Topaz 20 so have bought expensive machines. Each one I bought the machine was there for me to take. You should look at the contract - don't want to get bad credit over this. Another example of buyer be aware.