Bad question to ask here because of the usual barrage of blah, blah blah. I'd say it is personal and if you feel it is ok then it's ok and it really doesn't matter what everyone thinks. I haven't done it, but I do know the only way I was able to afford my higher end bike was sell a few motorcycles and pay cash otherwise I would not have had the bike. I have taken out small loans over the years for things I couldn't afford at the time, but did it and never regretted any of my purchases and I have turned out just fine. The fun factor and memories greatly outweighed the sensible or financial return factors. People take out loans for all kinds of personal things like vacations, Christmas, home improvement and things that are a lot more silly than a bike. Your money, your credit, your decision and if you're comfortable with it go for it, but don't advertise it.