in all honesty if you want to pay 100 bucks a month on a loan on a bike thats anything other than new youll need to look at spending realistically between 1500-2500 on the bike itself. this is easy if you are looking at 250R's and maybe even 500's. be patient. take the MSF course BEFORE you buy your bike. and buy ALL your gear before you even think about getting on a bike so you wont be tempted to go all squid.