Oh yeah I know it's convenient, but in most cases from my experience it's usually weeks before we get what we ordered. The cost does factor in as well, so I usually buy the cheap version elsewhere first. If I use it often and it breaks I'll buy it on the truck for the warranty and quality. This tool is so cheap and I don't need it often I don't see the reason to buy it from the truck, unless it breaks or becomes damaged on the first use. If the tool cost more I would just get it on the truck the first time, because of the payment plan option. They don't charge interest unless it's very expensive but I've never had to do that, that makes it better than having to use a credit card and pay outright like you have to do online.