Understand about financing.
The two amps I mentioned were for sale on the classifieds on this board so no financing option there.
You might consider the Peavey Mini Mega; a lot of guys on this board like this amp alot plus it saves you $150
Peavey MiniMAX 500-Watt Lightweight Bass Head
There is also a Peavey Headliner that has 1,000 watts that's cheaper than the TH350 too.
Not that there is anything wrong with the TH350; if you want clean headroom, I'm not convinced a 350 watt head and a signle driver cabinet are going to get you where you want to be. OTOH, if it doesn't work out, it can be easily returned.
Good luck.