My first good bike was financed at my local bike shop in 1966 for $100.00. I didn't know that the owner extended me credit because my father had gone in and bought the bike and arranged that I would pay the owner 10.00 per week for 11 weeks. He then paid my father $100.00 and kept the other $10.00. I was 16 at the time. I was 36 before I found out the truth.