Viking has great deals on their machines all the time and their no finance charge credit is wonderful. I just got my Sapphire 960Q on 4 years same as cash, payments right at $56 a month. I got lots of accessories thrown into the deal so I'm thrilled with it. It has a large throat space and the new walking foot has 4 interchangeable feet. Take another look at their machines and see what you can do. Wait until the next deal comes out while saving up to put something down on it or just buy accessories. Don't be afraid to ask for everything. They will deal with you.