I would find out if there was a penalty for early payment on the loan and how long you had to maintain the loan before you could pay the balance... Some places make you keep a loan for a minimum of a year before you can pay it off w/o a penalty. If that's the case figure out how much it would cost you in interest - you may find you can by one of those three items for less on your own... just a thought. If there's no penalty, grab the deal and then pay it off as soon as possible *grins*