Do whatever you feel comfortable with. To those people saying "OMG A LOAN FOR A BIKE? NEVERRRRR." Chill out and consider that not everyone is in your situation and you don't know anyone else's. If deals like no interest/same as cash for 12 months come up, why not take them and keep your cash for other investments? I make enough money to buy any bike I want with cash, but sometimes I "finance" them anyway and pay them off when I feel more comfortable letting go of the cash. No interest = no harm. Get over yourselves.