Usually, I can only buy something when we get our tax return and as much ammo as I can afford each month which isn't a huge amount. And she just recently let me get a $1,000 loan to buy a used gun.
Tax return? When you are getting cash back I'll be writing a check!
An open ended loan (or credit cards which charge 2% of daily balances) might not be the best idea but there are ways to sort of accomplish the same thing. Consider a SAC (same as cash) program limited to 6 or 12 months, or a 90 day layaway plan.
Just some other alternatives. Good luck.