Avram and I are the One Percent

Here's a Christmas Riddle for you:
What is a present that cost no money down, but you'll pay residual payments on for years?
What is a present that no one bought, no one expected, and there was a less than one percent chance of being gifted?
What is a present that although we did not look for, we are happy to get?
What is a present that takes months for delivery (slower than the Parcel Post, even)?