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The choice is really up to you, but here are a few things to consider: if you put your purchase on a credit card, will you pay it off as quickly as you can, or will you simply pay the minimum due each month? Does the card you're going to use offer benefits and rewards, making your purchase pay off in more than one way? In-house financing is a little old-fashioned these days, with so many amazing credit card options available. You can more or less choose your own financing option when you use a credit card, paying as much or little beyond the minimum due each month as you can afford. With zero-interest promotional offers on new purchases, it's a pretty great idea to use a regular credit card if you're looking to pay off a larger purchase over time.