Originally Posted by BoraxKid

No one said anything about "needing" financing, I said it is an option that makes a $2000+ bicycle more affordable. You might be in the privileged position of being able to lay out $2000+ frivolously, but many people prefer to keep their cash and amortize the cost of a purchase in that price range. And with interest rates being as good as they are, it makes a lot of sense to do so, especially if you can pay back the borrowed money faster than scheduled. It might not be your cup of tea, but it's still a good option for many, many people.