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How old you are what kind of credit do you have?
I have seen tuner shops finance things like turbo kits before, or at least do installment plans. Be prepared if you can't pay they will repossess your car.
I'm not a fan of anyone incurring lots of debt for modding, it's a really really terrible idea. When the engine fails and you need to shell out another $4K+ what are you going to do? I've seen people had cars sit for a year because they can't fix what they broke and went into debt to do originally.
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