how does one financial tools of the snap on truck ?

I want to get Snap On ratchets, screwdrivers, sockets, wrenches, pliers
I was thinking about buying them used online
But with weekly/monthly payments I can get all those brand new and be able to warranty them instead of paying $400 cash on a tool in one day I can pay that monthly for a decent set of snap on stuff that to me seems more convenient I was curious on how the snap on truck works
Are there any fees or finance charge

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