<human>: Can you condense the text into three sentences or less?

Long story short, there's a bike I want. Great condition. Blah blah blah. It's a great price. However, my money is going toward vacation and other things that I can't skimp on currently. 

I checked into a personal loan - borrowing 2000$ will eventually pan out to me repaying 3600$. That seems ridiculous to me. Probably IS. 

However, they're the only place that will finance me. I make enough money to pay it and not go into debt or renig on the contract. I'm just scared for some reason? 

It wouldn't take me long at all to repay that back, I just needed the money upfront. My savings was just drained on a down payment for a new car two months ago if anyone is wondering why I have no money saved. I'm building that back up. 

Should I say f**k it and pull the trigger or screw it and get a bike next spring?
<bot>: borrowing 2000$ will cost me 3600$ in the end. Is this normal, or not. If I know I can pay it back and be fine, why am I so worried?