Where should I look into buying a gaming rig that will alow for monthly payments

Or financng of some sort? I have little money but can afford a monthly payment I'm sure, but where to go? I can use online or at retail.

I do have a nice midrange desktop right now that I would also be willing to trade in or sell if anyone knows a good place for that as well.

I'm just looking for a premade rig like an HP or something that I can throw a new vid card in and be set for 3-4 years... I would rather not build one myself as I dont know how. :D

I just got one from dell; they do financing; I'm just not a saver when it comes to $$$ so I went with them; sure I could build my own rig for significantly cheaper but it would still take too long for me to save up for all the parts I need; especially with my kind of go everywhere lifestyle..

Dell XPS 710

6700 core duo 2

2 gig

8800 gtx

vista ultimate

I'm happy; just costs me one day of work a month;)