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That is somewhat different than the story you were first relating.
You had said "REP told me I could walk into store and pick up tablet, no money down."
The ABOVE statement is correct. There is a "HUGE DIFFERENCE" between your initial statement and what you are now claiming. Since you don't seem to think so, it is quite likely you misunderstood what was said.
First of all, paying the tax at point of sale is required by law, I believe. There is no way around that. The government, after all, wants THEIR money as fast as they can possibly get it!!!!! They do not want to spread their CUT out over the 12 month payment period.
Second, putting money down would LOWER your monthly payments. Making a monthly payment at the point of sale WILL NOT DO THAT. All of your subsequent payments would be the same as your 1st monthly payment.
