You could always talk to a fursuit maker about payments on the suit. DHC does payments until the month your suit will be made but they do require a down payment for the suit. Most popular fursuit makers are pushed back by a year or so anyway so it's best to just communicate with one of them first before making any big decisions like that.
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.
Hmm. That doesn't sound like a fiscally responsible decision. Hear me out:
-If you have to take a loan, you already don't have the money to afford it, and therefore also the loan amount.
-Ideally, if you choose to take on 1-3k worth of debt, you should have a few thousand extra worth of emergency wiggle room in case your car has issues, your get hurt, or you can't work.
-Loans have interest, and that suit may end up costing WAY more if you fail to meet any payments and accrue a buncha interest.
-Not to mention if you end up unable to work for any reason and default, then the bank would seize your assets(the fursuit too) anyway. Is having it sooner for maybe a few months and then possibly losing it worth not waiting to have the funds to pay it off and ensure it's yours?
I'm not telling you what to do, but you are taking a huge financial risk and if you end up reneging, that will screw yourself, the bank, and the suit maker. Consider all possibilities for this to go wrong, consider every individual other than yourself this could impact, and make an informed decision.
EDIT: I'm tardy to this party. >~<
EDIT 2: Actually the bank wouldn't be screwed at all. In fact, they make the majority of their money by tempting people into taking on massive loan debt they can't pay off and adding interest.
Just save your money, it's better in the long run. I didn't make my fursuit or commission a fursuit until later of a different fursona before I switched to this one. I waited years until I was financially stable to make one for myself, or get one from a fursuit maker, in the end I picked the first option since it was cheaper, and also I like to customize it the way I like it to be.