Haggle them down, get a cheap bank loan from somewhere else and pay for it like that. That way:
1. The loan isn't secured on the bike so if you default, then nobody's going to come and snatch the bike back.
2. You'll be able to sell it without paying all the finance off.
3. It'll probably cost the same in the long run if you're planning on buying accessories as well. Most companies will give excellent APRs on loans above £4,000-5,000 (usually around 6%).
4. You won't be tied in to (often stupid) terms and conditions of dealer finance, some of them state you must keep the loan for a year or more before paying off/selling.
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