The whole point of the loan plus option to buy is to delay transfer payments. Basically, they are putting off payment for the player into the future. It's no different than applying for a credit card to purchase a refridgerator and having no interest or payments until 12 months. But even if you don't pay on it for the first year, you still have to pay it beginning the next year, so it becomes pointless unless you currently don't have the money. If you are taking the option on a player because you aren't sure of his capabilities then you do not have any conviction and probably shouldn't sign the player at all.