if your bank or credit union offers you a ridiculously low interest rate (i.e. damn near close to zero) then it wouldn't be an entirely horrible idea.. otherwise it's smart to just save up until you have enough to buy one. or even better yet, buy the various components as you get the cash and build it over time. then again i could see that leading to a last-minute credit card buying spree to get the final pieces to put it all together.