I've written before about how your first motorcycle should be used, but I want to take a closer look at that idea. Recently, I came across this article on Lanesplitter by Jerry Smith. In it Smith argues that you shouldn't finance your first motorcycle. I agree with him 100 percent, and I highly recommend you read this article
If you can't pay cash for your first bike, you don't have enough money to ride.
You don't need an expensive motorcycle. I recently shared a video from Motorcyclist Magazine's M.C. Garage that showed you can easily get into motorcycling for just $1,000. Now, I'm not saying you should only spend $1,000. If you have more money to spend and want to spend it on a bike, go for it. But don't finance it.
As Smith points out many newbie riders find that motorcycling is not for them. While I think they're crazy, I don't fault them for not doing it. Everyone's got their own thing, and motorcycling may not be it. If you finance a bike, and you find this out, you're in a shitty situation. You have a bike you don't want and are paying still paying for it.
Instead of financing, buy a cheap bike that's in good condition. Craigslist and eBay are excellent resources. You should have no problem finding a proper bike. If you're wary of buying something off one of these websites, check out my guide on buying a bike on craigslist or check out my article that provides tips for shopping on eBay.