My wife's gun is, in fact, a gift. I brought her to the range this weekend, and she shot a Ruger SR22 and really liked it, so I want to get her one for Christmas. As far as financing goes, that's a totally separate issue, but I use zero percent financing all the time. There's really no reason for me not to, I just pay the stuff off quickly, and it's no problem. Though, I'm probably going to end up getting both guns are the same place, it's just more convenient. I had my eye on a Sig Sauer P229, but I'm probably going to go for something a little more affordable. These are first guns for both me and my wife, so I probably don't need to go all out.