OP, I totally get it. There’s stuff I’ve coveted online for months and months, not being able to afford or wanting to spend the money on.
In your situation, I’d say no honestly. If you’ve managed to save only £500 towards it in a year (I also get this, we have very little to save every month after food and bills are paid for!) then the repayments would be horrible, and if you have a sudden unexpected expense you’ll wish you had the extra every month to put towards that, rather than repayments on a rug.
Before my son was born, I bought a new rug for the lounge. Our carpeted floors are ridiculously hard and I wanted something lovely and fresh to plop my newborn down on. It wasn’t £1900, it was £140 and I was utterly neurotic about getting it dirty. The first uncleanable mark gutted me - my beautiful rug! I tried so hard to keep it nice! But life happens and if I’d not got over it and realised that’s what happens to rugs I’d have been heartbroken. If it had been £1900 I’d have never let anyone walk on it or been furious at the first accidental spill!
If you live with pets or kids, even more no. This lounge rug in my house has seen things no rug should ever see. But at least it still does its job of making the floor soft and pretty and I don’t fret about it so much any more. I think you’d find it hard to enjoy the rug for all the worrying you’d end up doing about it, plus the fact that it’s not affordable for you. And that’s ok! I think for most people just shy of 2 grand is a hell of a lot of money for one bit of decor in their house.
If you had enough cash to pay it off in a few months I’d say differently, but if you’re like us and one car/house/life disaster away from struggling to cover bills, the last thing you want is a monthly repayment that’s really high siphoning your spare cash every month.