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[Eagle of Fire]

It's always better to have the card inside the computer when you purchase it, unless you expect that a new card you're eyeing is going to be out later on or you can actually install the card yourself. Else, you'll have to pay extra to have the card installed in the box. The labour is really what make the difference.

Plus, most of the rigs you purchase come with a compatibility waranty. Meaning that if you purchase it with the rig, you're sure it will work. Which is not exactly what I'd call garanteed when you add it later, though it's rare it won't work.

Edit: Also, I'm not really sure how things works where you are... But if you're going to take a loan to pay it, then it's in your best interest to get the card in the full package. Else you'll need to find the money later on, you won't be able to add it to your load or whatever you pay each month...