Brian,
When you factor in everything involved, the "deluxe" kits on offer include so many well-selected and matched components that it's difficult to go any other route except the one I did: buy an already built car and upgrade/modify those aspects that are not exactly to your liking over time and as you can afford.
As for the financing, I recommend saving until you can afford it, if at all possible. Hobbies are best enjoyed when you're not leveraging your future to do so. That said, I like the bank-robbing option
Have fun and good luck!