You might want to lead off with the fact that you'll need a payment plan. Many people don't want to deal with the hassle of a payment plan and holding the animal and feeding it while waiting for payment that might not come. Then there's sometimes drama as someone pays off part of the price, then decides they can't pay it off and wants the money back, which is more hassle.
I'm not saying YOU intend all this, but just pointing out as a general member of the public, the seller doesn't know you from JoeSmoe.
If you ask for a payment plan, I wouldn't ask for a discount. If you ask about a lower price in a respectful way, then you should be prepared to pay immediately.
And as always, the key is to be respectful and pleasant in the communications. The annoying emails I got when selling animals were people who sent messages saying "Well I can get that animal from XX for $XX(half the price or less)". My response was always "That's a great price, and I suggest you go do that right away." and then refuse to deal with them afterwards.
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