A rooftop tent turns your daily driver into a basecamp, but the setup takes a toll on your fuel economy and your garage space. You are looking at wind noise on the highway and a heavier lift every time you park under low branches. End-of-summer clearance is when dealers finally mark these things down because inventory sits too long as temperatures drop.
We need to talk about the price tag before we look at any plastic. A setup runs about $2500 once you factor in crossbars and shipping, and a financing window is just a tool to smooth out that hit, not a substitute for a discount. Always negotiate the price of the tent and the mounting hardware first, then figure out how you want to pay the balance.
That 0% intro APR for 15 months on purchases and balance transfers is a deadline, not free money, and whatever is left on the balance when those 15 months run out will get hit with standard interest.