If you don't want to spend too much money, eBay would be a good option for used bodies. Like you, I really wanted a DSLR, but I couldn't afford to spend too much on it, so I managed to pick up an *istDS with 18-55 kit lens, and 50/2 manual lens, plus some other stuff like SD cards for $336, including shipping. I'm eventually going to upgrade my body and I'm not above getting yet another used body if the price is right.
As for financing your purchase, once you figure out what you want, then start saving up for it. Once you save up enough to buy a body and a kit lens, for example, then you can get the best deal from anywhere you want. If you have a Visa or Mastercard check card connected to your checking account, you can shop anywhere that takes Visa or Mastercard and nobody will know the difference.

One thing I've discovered is that there isn't a whole lot in life worth going into debt for, even your hobbies.
In my search for a DSLR, I looked at everybody and Pentax came out as being the best value for my money. I'm planning on eventually upgrading to either the K10 or the rumored K200 and with the K10, if you compare it's features and price to it's Canon and Nikon equivalents, you can't beat the price. A major drawback of the C&N models is that you have to buy special, expensive lenses in order to get stabilzation. With the the D40/x, you just can't slap any Nikon lens and expect it to work properly because those models don't have the autofocusing motor in the body, so you have to buy lenses that have the AF motor in the lens, in which there aren't that many to choose from. With the D80 and above, that's not an issue, but the D80 costs more than I want to pay for a body. The major drawback with Olympus for me was the lack of lens choices and the prices of the lenses they do offer.
Have we sold you yet?
HTH,
Heather