I would never recommending borrowing money to buy a bike, or any luxury item for that matter. You are already smarter than 90% of Americans, and 99% of American government.
What is your budget?
Were are you?
I COMMONLY (I'm the King Of Craig's List :-) see good used Japanese D/S's in the sub $1,500 range here.
I just sold a perfectly clean like new Chinabike for I think $800, but new ones are closer to $2,000.
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Happy to serve.
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