"Ok, let me get this straight. You want to pay for half right now and then pay for the other half later?"
"That's exactly right, see that wasn't so hard. I'll pay for half of it now and the other half in a couple of months when I save up some money."
"Uhhhhh, we don't really do that"
"What do you mean, you can run my credit or whatever you need to do but I know I can set up a payment plan. If I need to, I will take half of it now and the other half when I pay the rest but you have to let me pick which half I get now."
"Ma'am, this is a dog shelter."