I haven't ridden since I was a kid. I'm hoping to get a bike real soon because of the nice weather. My lbs that sells Specialized and Giant has same as cash financing with a duration depending on credit rating. Unfortunately the one that sells Konas and Gary Fishers doesn't offer financing. I've never used any financing other than in store before. Are there banks that do the same as cash loans? I've only found ones that have interest from day one. Just wondering if I should keep looking or if they don't offer those types of promotions straight to consumers. Thanks.