My point was, if you can't get that 130 in 2 months, then its better to think about your financial priorties, and go for the cheaper short term expense, and suffer the higher long term expense.
As I pointed out: That is a stupid decision, as it raises the overall expenditure - a problem for people with little assets to begin with.
(this is not meant to insult you or make implications about your income)
Same goes for other stuff, another classical failure for example is going for the car with the lowest leasing rates instead of the lowest TCO.