Owning a car that stays clean is the dream, but the reality is usually a cycle of washing and waxing that never quite lasts. A ceramic coating acts like a permanent shield for your paint, making water and dirt slide right off. It is best to schedule this in the late fall or early spring when detailers are often looking for work and might offer a better rate on labor.
A professional application usually runs about $1200. While you should negotiate the price of the service itself upfront, we can look at a way to handle the payment so it does not hit your bank account all at once.
If you still have a balance when those 18 months are up, the standard interest rate will kick in on whatever is left. This is not free money; it is just a way to buy time, so make sure you pay the full amount before the deadline.