This is exactly what i am doing. I have a 2000 dollar line of credit limit at my credit union, and i will use this to get my stage1 turbo. I still have a balance left on there to pay, and then i will order the kit when its paid off. By doing it this way, i can get the turbo within several more months, have it for the most of the summer, and i can pay it off over a year or so. If i didn't use this credit, i would not be able to get the turbo until very late summer, or even the winter. I'm too impatient for that :)