Never. When I say never, I mean the thought would not even cross my mind. I refused to finance, lease, or borrow for my bachelors degree, let alone a bike.

Bottom line: if I don't have the money to buy something, I don't buy it. The few notable exceptions being, in my opinion, higher education, a mortgage, and health expenses.

There is a reason companies offer incentives like this, and trust me, it's not to help you out. More often than not, they make far more money on a financing deal then on an all-cash sale.

But this is all reflective of my overall financial views. Like someone said earlier, the poor pay interest and rich collect it.