Have you tried PayPal Buyer Credit?   PayPal Buyer Credit is offering a special--that you can also include in your listing text on higher-priced items--for purchases of more than $99, there will be no payments for 3 months and no interest if paid in 3 months.  It's just like a credit card account, and can be managed online, too.  Enroll and try it, so you can be comfortable promoting it to your buyers. Whether you're looking to finance an high-ticket item, or you want to make it easier for your buyers to purchase the one you have listed, PayPal Buyer Credit is a great option!  Here's the announcement: 

From now through Sunday, April 30, 2006 at 23:59:59 PT, when you use PayPal Buyer Credit for purchases of more than $99, you'll make no payments for 3 months and pay no interest if paid in 3 months. See our information page to learn more.
http://pages.ebay.com/paypal/buyercredit/buyer/promotion/?ssPageName=CMDV:AB

This limited-time offer is free of charge to sellers and will be automatically displayed on eBay items over $99 as long as sellers accept PayPal and have not opted out of displaying PayPal Buyer Credit messages on their listings.

PayPal Buyer Credit is a line of credit exclusively for PayPal members and allows you to make low monthly payments on all your PayPal purchases. Once you're approved, the line of credit is automatically added to your PayPal account and available for immediate use.

If you don't have PayPal Buyer Credit, you can apply now.
http://www.paypal.com/cgi-bin/webscr?cmd=_bc-signup