Yeah, I've thought about used...but the ones I looked at were only like $100 less than a new one. Admittedly, I didn't search too hard, but the camera new is only $700, so that doesn't leave a ton of wiggle room, and for a difference of $100-200 I'd rather have new with warantee
For the financing, I'm not looking to open up another credit line, I wouldn't even do this if it involved upping a credit limit, but I've got like $1,700 available on my current credit line there now, so it wouldn't make much of a difference to anything in the long run
p.s.
that will probably the route I'll take if I do go for more lenses down the road though