You can only get a LTI ship if it is in concept. If you want to have a LTI Cutlass, then buy a concept warbond LTI Hawk and an upgrade from Hawk to Cutlass. The Warbond Hawk costs $80, the upgrade from Hawk ($90) to Cutlass ($100) costs $10. You will have a LTI Cutlass for $90 instead of a 6 months insurance Cutlass for $100.
Warbond versions are cheaper than Store Credit version because you spend fresh cash.