Decades ago, as a newly wed, and lowly paid junior executive, I used to buy my AV product for my new home, and learnt the hard way, paying about $12k for collective cost $8k over 2 years. I would let my brothers or sisters earn the $4k (probably less) if they could borrow me the same loan amount.
For example, $1k on a 48mth installment, u end up paying more than $2k, excluding any late payment penalty if any. Before 48mth, the item u purchase already technologically obsolete, may probably become unusable.
Its better save up and by the time you got the cash, you will be paying same for a better upgraded futuristic product. I would rather take a short term comfortable loan from family member or friends with return interest.
My 2c worth.