Back in the early 80's I bought a new Peugeot 501 (yes I test road it a few times). When I decided this was the bike I wanted I was able to make payments on it. The bike shop wouldn't let anyone who was buying on payments take the bike home with them until it was paid off but they would let you come in and ride your bike on their Saturday and Sunday rides. I thought that was pretty cool.
I would suggest you always test ride multiple bikes before you buy!