Lots of good advice here of course. There are however some reputable companies offering discounts for staged payments. Where this works well the banks are not needed and are denied their pound of flesh, the customer gains a small discount usually 10% or so and the Club the working capital that can be scarce. This method keeps it all in the club. But do not pay up front any amount that you could not afford to write off and if you buy blocks fly them off quickly. A package deal works in other industries and it is a real shame that some aviation businesses have been worse than the old second hand car dealers of years ago. Perhaps I have been lucky or just chosen well at the 3 clubs where I have or have had accounts? If you cannot afford a 10% price rise then you will not fly so often. Fuel and landing fees are always on the up as is maintenance. What a happy bunch we are.....