I am still making payments on this bike. The bank is willing to work with you or you can buy it outright from the bank. The bike is covered by a warranty from the dealer which is transferable. The bike had previous fairing damage from the first owner. I have never dropped it and have never had an issue with over the past 5000 miles. I am selling because I have a little boy now and don't have time for the bike anymore. The bike has red steal braded brake lines, brand new pads, new Metzeler tires, new clutch cable, upgraded levers, upgraded handle bars, grips, and windscreen. Frame has sliders and rear spools. Comes with a bike cover, a front and a rear stand. I have the original hand bars.