Slapping a set of heavy-duty LED pods on your bumper transforms night driving on dark forest service roads, throwing a wall of clean light well past your high beams. Running them costs next to nothing once they are wired up, but the hardware itself usually sits right around $220. The best time to pick them up is late summer right before the autumn camping rush hits, though you can also find decent markdowns during holiday weekend sales in November.
Before you talk about how you are going to pay for them, see if you can squeeze the seller on price or bundled wiring harnesses. Financing tools are for spreading out the cash flow, not for covering up a bad deal on the hardware itself.
That intro window is a hard deadline, not free money, so make sure you clear the remaining balance before the 15 months are up or standard interest kicks in on the whole original amount.