I hope this hasn't been brought up already and I'm sorry if it has, but I just bought a new pack (Kelty Moraine 3600) at eBags and they are offering free shipping on orders over $100 in addition to a billing arrangement that doesn't require a payment for 90 days. After the initial 90 days, there is an 18% APR applied, but you've still got 3 months to pay off the balance.
Along the same lines, I finally made a commitment to go on my trip next spring by buying a pack and I'm still looking forward to it. Now I just have to save the other $2000 I need.