Make payments? No such thing unless you put it on your credit card and make payments to them. Resonable prices are available through Pet edge and Ryans Pet supply. As a professional groomer, I highly recommend Andis clippers. You can get a low end A5 clipper with a 10 blade for about 119.00. I have used Andis exclusively for almost 20 years and have absolutely no complaints about their quality. The problem with your wal mart clipper is that they are poorly designed and lack enough power to do the job you are asking. They also don't have the correct type of blades and many of them cannot be sharpened. Keep an eye out at yard sales too. I scored a brand new set of 2 speed Andis A5's at a sale just 2 weeks ago...for 2 bucks! With a new 4F blade!