Anyone reading this, please please do not finance a car's worth of money on some new gadget you're not even sure if you have a use for.
I agree with this sentiment generally, but two corrections specifically:
1) what kind of car are you getting for $3500 these days?
2) Apple does offer 0% financing for the Vision Pro same as for other devices, the term is one year for the VP specifically which means a payment around $360 or so a month over a year.
If you are going to get one that is a great deal to be able to make use of your own money for a year that would have been immediately spent otherwise.
Also Apple offers a generous 14 day no questions return policy so you can back out if you realize the device is not for you.
So don't be afraid to use credit, but use it wisely and as you say, consider if what you are buying makes sense for you.