Best payment option for purchasing a Nikon Camera?

My boyfriend is trying to purchase a Nikon D3100 as a Christmas present for me. With Christmas being a month away, and the camera being so expensive, he just can't rack up the money -- money is tight right now. What I'd like to know is if there are any options for monthly payments anywhere? He's tried Walmart, Target, Bestbuy, HHgregg, and we have already checked RAC. He was denied due to lack of credit (he hasn't built any credit yet). Does anyone know any other ways, or have any ideas to help us out? It is not possible to save up the money, or borrow money from someone, or take out a loan. AND, this has to be before Christmas.

Bill Me Later

You could try PayPal and use their bill me later feature. In this case you need to buy the camera online and from a merchant that accepts PayPal.