It's like buying it, but instead of buying it all up front, you make small payments over a long course of time.
also, thanks for the suggestion! edit: i looked that up on amazon and it came up with 2 very similar looking things, one of which is at 500, and the other of which is a number 1 best seller and is on sale for 300 down from 400.
I have the Alesis Nitro kit. It works good still but it's over 5 years old.
https://smile.amazon.com/gp/product/B0187KO8X4/ref=ppx_yo_dt_b_search_asin_title?ie=UTF8&psc=1
Would this be a decent upgrade?