So I could pay it off whenever I want to?
Do people recommend getting the Note with a carrier or is it best to just get the international version?
People can say what they will, but I actually have sprint and like it :O
I get great service in my area (better than att and verizon inside most buildings) and unlimited data for $60. They do not put a lot of bloat on their phones, and I usually buy it through them.
Granted they are not GSM or GSM unlocked, but I am happy with them as a carrier. To answer you question, the phone financing is not a bad idea. It cost the same and you can pay it off whenever you want. I would be worried about LTE bands with international versions.