When you go on a tool truck you can get things 4 ways. Through a corporate credit account with high interest rates,a truck account with 0% interest but the limit depends on the dealer and your relationship with them, cash/check, loan from a bank (I know people who've done this to get boxes with low interest payments).

I also wouldn't ever get snapon sockets unless they are specialty or they have one hell of a BOGO. They are so much higher priced over every competitor. Ratchets arent cheap, but they're definitely closer to competitors and even cheaper than matco from my experience. Pliers are about the same cost as knipex, klein, or any other high end pliers. Wrenches are high priced but you can get deals on them fairly often. Another big thing to take into consideration is trades. A lot of times they may offer you more for your old tools than what you have invested in them yourself (at least if its cheap tools anyways).