What they say about credit cards is correct.

My better half is in finance and threatened me with blunt rusty objects if I considered using finance (uttings or otherwise).

I dont think it works out too well if you come into cash and want to pay it off quickly either

29% is a hell of a wad to pay extra.

Save up if you can...I cant (did it once but nearly died of impatience )...or do it on a credit card...carefully