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My god, I wish this exact thing would happen here in the states. Looking through an old mixmag, there's literally ads on every page advertising monthly payments for xones, sets of mk5s, etc from shops all over the UK, but I've never seen one do it here
I think your best bet here in co is to either get a loan from a bank, or head to Guitar Center as they have a credit card you can apply for, but their standards are high as fuck for those boys...I got approved for a car loan but not for their credit
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