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I think the decision to finance or not is all circumstantial. If you own a home and could spend $8k in upgrades and earn equity while paying 4% on a motorcycle loan, you're making out on the deal. The equity you're earning is far greater than what you're paying in interest. Too often people assume paying cash is the better option, but if you can make more money with your cash elsewhere, a low interest loan is the way to go.
Also, I second going through a credit union. They have great rates and offer lil perks. By paying an extra $20 throughout the life of my auto loan, they will make up to 12 payments in full on my vehicle if I am ever out of work on disability...and I wouldn't have to pay them back.