Bought with a credit card then transfered money to another card with 3% balance transfer fee but otherwise interest free for 2 years. Looked obvious that inflation would rise into double figures so no point in paying cash. Credit card also provides additional buyer protection under British law.
During Covid I initially couldn’t get the shop to budge on price. After pointing out that if I used a credit card they’d be charged 3% by the cc company for the transaction fee I got them to knock off 2% for a cash sale.
Paid £3000 cash for a new Cube full suspension at the start of 2020 before prices went mental. Gonna ride it into the dirt because I'm not going to buy at current prices. Good job it's a fantastic bike!
Will also run my Rail into the ground. The warranty expires in January 2024 so if the motor shits itself after then I'll take it to the eBike Motor Centre (which is about an hour from me) and they can rebuild the motor. All the components on the bike are (now) good and the frame is alloy, no point in buying a new bike just because the Bosch motor is broken ...
Lifestyle change, stopped smoking and drinking. Saved the cash up to treat myself and bought my first Cube Reaction during lockdown, sold that last year and again paid cash for my second.