Pay now (buy a really nice top of market aeroplane) or pay later (in a shop visit per flight for the first 2 years). Same amount of money in the end ....the difference is with the pay later scheme you end up up with a boat load of frustration, many cancelled flights and a tatty looking machine nobody will want. Buy the best airpalane you can find. One that somebody has allready lavished time , money and attention on. In the long run it will be the cheapest airplane you will ever own.