If you're looking for 2 year or less payoff, you may still find it as being a good value for your family. 2 recommendations I have, as I just went through the purchasing process.
1. Really spend the time doing the math. Going rate for direct financing is 14%+ (excellent credit) no mater how much you put down. Factor those interest rate charges into your annual value/cost associated with your contract.
2. Look at other banks or financial institutions which will more than likely offer a lower rate for a personal loan. Or do what I did...I had 80% of total cost cash in hand. I charged the whole thing to one of my travel credit cards and then did a promotional balance transfer (12 months 0%, with a 2% fee). This worked out better for my situation, instead of getting a 9% personal loan for what will more than likely be paid off within the year.