If you don't make all of your living on photography, putting luxury gear on credit is probably one of the worst financial moves you can make. Interest rates, however low, and for whatever principle, will drain you emotionally and fiscally (I'm not exaggerating). It's a whirlpool you do NOT want to get anywhere near. As someone who has had my troubles with debts in the past, don't make the same mistake so many people make.
Even if you are a pro, it's still not always a wise decision; you'd have to be making good money to offset losses in interest costs. Even then, there's no accounting for life. Things happen. You lose your job, your health, the market slows down, and you're stuck with thousands in debt with no way to pay it back. You're upside down on your gear loan and you end up living check to check payin back banks.
I've seen some ish lol.
Anyways, do things the "old fashioned" way. Buy what you can afford to pay in cash only. Find the best deals on used gear. Canon lenses last for decades and hold their value well. A lot of pros start out with entry level gear, work with what they have, and work their way up to the nice toys when they are good enough with a steady flow of money to afford it.
Or, if you're not a pro, wait until you have a good enough income to support an expensive hobby. There's nothing wrong with that either.