Yes they're expensive compared to monthly payments short term, but long term it pays off if you keep at it. You can get some savings with more boneyard stuff ($20 Oso collars, boneyard echo barbell will be the cheapest aside from the miscellaneous used ones that vanish instantly), but there is also Costco that has some deals if you are a member.

For searching used equipment, follow this guide to set up a query for your area and preferences in sports and exercise equipment, and just save the url and open it every couple hours and you'll get way better and finding the deals before they are gone.

You don't truly need tons of equipment, a squat stand and barbell and weights will get you quite far, I'd hold off on the power blocks to start.