I agree with kkim in most cases, but in my situation I bought my ninja with cash that I had saved up knowing that I was going to upgrade in the future. I am looking at buying my next bike and getting a loan for it so that I can build up my credit since i'm only 19 and have no credit. A small 5-6k loan is a perfect opportunity for me to start building my credit. I will be making a 1/3 down payment and borrowing the rest to pay off. A minuscule bike loan is almost like getting one of those small credit building loans to me with the added benefit of getting a new bike in the process
