Snap-On's financing model is what cemented them firmly in the hearts and minds (and wallets) of American mechanics.
Were it not for this stroke of genius, they'd just be another manufacturer and re-brander of quality tools, and they'd never have made it this far.
In their early days, they had a bright idea, but that wasn't going to hold them above the competition forever.
Quality alone won't get you to the top. You need top notch marketing, and their business model of private tool truck operators, at your door service, hassle free warranties, and (most importantly) financing, has pushed them to the top of the heap.
Word of mouth carried them very far, as a result. Now, their marketing efforts are simply a maintenance practice.
They've done a good job, and they make great stuff, but don't think they aren't targeting you directly.
They know damned well that the financing options are like a gateway drug.