That's fucking stupid actually. What's the rate on a loan? Small loans I think have dropped, but anything less than a house usually has a 3-6% (depending on your area and where you take the loan out of). So you're paying MORE simply because you WANT IT NOW. Save up your money in the bank, and when you have enough then buy a fursuit. You'll have to wait a while, and save accordingly, probably cutting back on extras like dining out/Netflix/games/whatever the fuck. But it will save you quite a bit of money. Besides, if you don't have that kind of extra cash just laying around can you really say you can afford such extras? Fursuits are great, sure, but building a nest egg having emergency savings and also covering things like your car payment, insurance, rent, food, utilities, clothes, gas, ect are more important. And if you have to take a loan for such a frivolous luxury you're probably not as financially secure enough for such an expensive one. And again, I'm not bashing on fursuits. I own two.
Edit: I think I was not clear enough.
Taking out a loan for a fursuit is a goddamn stupid thing to do, and it's very goddamn high on the list of stupid shit a furry can do.