Cleric wrote
Wouldn't it be possible to negotiate an earn-in/lay-away structure with an endorser, where you pay off a set amount over a year or so?
Not usually. That's the point at which it starts costing them money to give you stuff cheaply. Also very few are set up for any kind of credit structure beyond 30 days on statement. Plus all the legal and regulatory implications for them to offer any kind of credit these days are prohibitive unless they plan do do it on a large scale.
Typically companies that offer credit are retailers rather than distributors, and use a third-party financing company (which are often not well disposed to those with uh...
variable incomes like pro musicians). Plus most musos I know would rather not buy on credit anyway.