We all run into this dilemma at some point in our Ham Radio Hobbies. Yes you could apply for a big credit card and then make payments forever. I personally do not recommend this, because I have been down that road. I bought my kenwood ts2000 and put in on my credit card. Well I injured my back and was out of work for almost 6 months. My job would not let me come back until I was alomost 100% better. To make a long story short, we ended up in bankruptcy and it stayed with us for about 10 years.
So then the question is what are you going to do. Well if you just have your technician license, you could go with an inexpensive handheld 2 meter transmitter by baofeng or one of the other low cost handheld ham radios. Hey they may be cheap, but they will get you on the air. The other choice is to go on Ebay and search for the best deal on a used low cost handheld ham radio. You may see prices anywhere from $250 and higher. You can find deals on the baofeng handhelds on Amazon as well as Ebay.
Now if it is a base Ham Radio Transmitter you want, Then it's Ebay in the used category. There are some pretty good deals on Uhf, Vhf and Hf Transceivers. You should thoroughly check out the seller before putting any money down. There are lots of scammers out there on the internet. As far as prices go, they vary all over the place. So check them out today and have some fun.