I took advantage of offers my LBS was offering on my last two bikes. I was able to finance both bikes with 0% interest for 12 months. Had these offers not been on the table, I would not have financed them with a set APR. If someone comes across a deal like this, please make sure you are able to pay off the bike in its entirety prior to the 12 month deal expiring. Otherwise, they will back bill you for all the interest over the past 12 months and you will be responsible for paying it. I have seen the APR on these types of deals be as high as 21.99% APR. I hope this helps.