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Apply for loan and finance at the same time?
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There are always loads of cosseted low mileage older "Garage Queen" bikes around which are just as much fun but much cheaper to buy and run - but I'm guessing the bike you are after is one you've set your heart on after owning a variety of bikes in the past.
If my guess is wrong and you're a bit newer to the biking world then I'd recommend looking at finding yourself a well looked after older bike.0
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