I got all my large machines on the 0 interest. Its the only way i could afford them. Quilting in hoop can be tedious even with a large hoop. I do love the brother high end machines i have the dreamweaver 6200d, super easy to use, no issues, low maintenance. I will say however that i haven't used all the features which is why i never upgraded to dream machine or lumiere but if wasnt paying on my longarm i would consider it