well, to each his own. i know many who take credit loans to buy digicams and DSLRs and lenses, so why not bicycles if you're really crazy about them? also know people who buy diamonds on loan/credit also, not necessarily for themselves.
i personally wouldn't, but then i'm not crazy (about cycling).
kongg...yeah...I agree hobbies can be pretty expensive...but to take out a loan just for it.....its abit crazy...unless one makes money out of it? Most people I know save up till enough before purchasing....interest free some more