Another Option you have: Is Service Billing..
When i get my Devices I always use if "available" Service billing) I wait after the bill Cycles and then get the Device I pay part of it and since I waited past the Cycle it would give me two months to pay the Rest off) Say like if got the Moto X on 31 Aug. or 1 of Sept. by doing that it would give me till Oct. to pay it off.. You might check and see if the they allow service billing in your Area and if works for ya give it a Try I think they allow up $400 maybe $475 but a check with your Local store will tell ya more.. b33