I paid for mine with a loan, but not for reasons that I cant afford to pay cash. I am almost 30 and have paid everything in cash. All my cars, trucks, dirt bikes electronics... all in cash. I had to build credit to buy a house as I have no credit history... not my choice as I dont like to owe anyone anything... but whats a guy to do, right. I am waiting to build the credit I need and then I am paying it off again... in cash... so I got a loan that gives no penalty at early payoff. But to all who pay cash my hat goes off to you. I watched all my friends get credit cards and such and they have all filed bankruptcy. It was hard to deal with sometimes when my friends would by new bikes and I couldnt get one until I saved up... Well now they are in the hole and i can walk into a shop and buy a bike. Not all people are that iresponsible with credit but as one friend told me... its hard to stop buying when you have it.