Use a credit card and pay them monthly, thats what Dish wants it seems. Dish figures if you do not have enough good credit to have a credit card or make a loan for the money that they shouldn't give you a loan either, so they see it like this, that you might as well get the loan elsewhere than from them. Thats what I think in my opinion. They dont want people to run with their hardware not paying for it when it costs over $500 like the 721 did and $1,000 for a 921 or for a HD box promo.