personally i love gixxers but i'd go with the zx6r... theres "good" deals on bikes every spring and summer but their not always so good, you can end up payin alot over the long term, also if you finance you will have to get full coverage insurance, thats gonnne be more than the bike payment... if i was you, i'd bite the bullet and put away a good part of every paycheck, if you really want a bike then it wont be a problem, i literally probably spend 20$ out of every paycheck and even though i thought the day would never get here, now i have plenty of money to buy a bike in cash and it seems like it was just yesterday i started saving... but if you can't wait, get a personal loan and get a bike 4,000$ or under, you can find some great bikes for 3,500$ maybe a 90-96 somethin doesn't sound so great, but even a 93' somethin with a few mods can really turn heads when you see it in person... just my two cents, not tryin to put you down or nothin, actually if i didn't have to get full coverage insurance on a loan i would probably be ridin on a 99' gixxer right now, but i'm gonna do this right from the begginning, takin my MSF course next week or the week after whichever has a opening