Can MA association assess only owners who can't pay upfront for repairs?

Our association has zero reserves. We need to have an assessment for a facade repair.

Is it allowed, in Massachusetts, to offer owners two options like:

1-Pay in full for example 10k or

2-Pay in installments but at an interest rate of X%?

In our case, we need to finance the project without a bank loan, but would the answer change for the options above if we financed with a bank?

Or can we just say we: owners who can pay upfront will pay X. Owners who do not - we will take out a loan and place an assessment on their units? Thank you.