Financing is now available on all orders. For those who want to make large orders but can't afford it all at once, financing is interest free for 6 months. Just use the "Bill Me Later" option during checkout.
It's a feature that any Paypal checkout site should be able to implement. My understanding is that if there is a default on the payment, it's no different than a loan with a bank. They go after the person who defaults but the person who sold the product is fine (just like if someone got a loan for a car and then defaulted, the seller of the car still has the funds, the lender goes after the buyer).
Well, it's Paypal financing so it's impossible to do it any other way. It's like saying you want a bank loan but don't like banks...gotta decide if your desire for a loan (financing) is stronger than the dislike for the bank (Paypal).