One of the things that saved me a ton of spendable perfectly good money was that the snap truck dealer carried my balance. I never let it get more than about 8 or 9 hundred at a time, except for the tool boxes, and I paid EVERY week. Usually around $100 a week.The dealer always came to see me first when he got to the shop.I never paid a bit of interest because I kept my spending right at or under the limit where financing was mandatory.