I have only payed cash to date but have no machine that is considered a or b title but recently started to think about taking small personal loan which i can get at less then 4% unsecured to make a bigger purchase. I look at the four wheelers I bought over the years it was easier to make $150-$200 monthly payment then save
$7000 up. and even paying interest for 3 years the pin is not a bad thing they seem to hold a value better then atv, snowmobile, etc. the amount I lose in value and interest I'll trade for the fun me, my family and friends get from hours of playing the new Pinball. I will never be debt free until they lower me in the ground so I figure enjoy what you can now I have had friends pass away early in life that never got to enjoy life. With that being said I would never buy more then I can afford to pay for but lets just say my banker knows me well!
As for the car dealerships ... I work in Sales and I would say we strive to get you the best rate if we can with the banks we work with great but if you have better rate at credit union we are happy you are saving money and will take their check as well. A happy customer is more likely to be a repeat customer in my experience!!