Define
The installment structure is the headline, not a footnote under a cash price.
Mechanism
Affordability architecture. Monthly number, tenure, and what is included do the closing. Kin to price-anchoring, but the product is the plan.
Verdict
The cash price would stall the household and a real plan exists: property, auto, education, elective care.
Don't
Hidden fees, or a plan we will rewrite after the signature. A dishonest tenor is not an offer.