brokencivilian
Established
There are two angles from which to answer your question: from my own experience, and from the viewpoint of your situation.
I bought the M9 for cash. Literally, cash. I managed to get one from the second shipment that arrived in Australia in 2010, and I paid through the nose for it. I did need to watch my expenses very carefully after that, and I had some teething problems with it re. rangefinder metering vs DSLR metering, as well as manual focus. For the first few weeks I was frustrated as all hell and struggling to get correct exposure. I was also missing images all over the place from missed focus. Once I had sorted out those two issues and forced myself to eat noodles for the rest of the year, it was great.
I also own a number of cameras including a 5D Mark II. The M9 has given me some of the most satisfying images and photographic experiences of any camera. Having said that, I must also say that at work I exclusively use the 5D Mark II, as I rely on the flexibility of zoom lenses and produce full HD video as well.
From the viewpoint of your situation: I cannot in good conscience recommend that someone go on a long payment plan for a camera with limited application, unless you are very certain that the camera will meet your needs. If you were buying a full D800 kit with a couple of lenses I could understand, as the flexibility of a high end DSLR lends itself to a wide range of work.
Rangefinderforum isn't a financial advice forum, but a lot of us are saying to have a good look at your finances and make sure that you can afford to pay for the camera as well as have enough money to live, and/or discipline yourself to spend only will keep you within repayment ability. I've seen people get into big trouble with lots of smallish purchases that added up to large monthly repayments.
I'm not really here looking for finacial advice, I already know how im going to deal with that.
And As for the 3 year plan and payments, I am going to be paying over half for the camera upfront getting my payments about 100 a month, which I will obvious pay more when I can.
I based everything off of what I will be selling/trading plus what I make from work and spend (bills, etc)
To me there is no problem financially here. Yes it will be tough.
But I think I've thought it through enough to make a good decision. Whether it be get it now or in a couple months.