I paid my Panigale Base straight out with cash $19,533.70 USD
A few points here.
The dealer may give you a slightly better deal on your bike if you finance it because they get credit through the bank that they use for selling bikes and sharing interest.
If you pay outright you may not get the greatest deal because of the one above not being fulfilled. When you finance a bike you create a better bond with the bank and the dealer. Hence a lower cost.
However, IF you pay outright, you aren't required to have full coverage (not that that is a good idea, but good idea when you want to store it for the winter
and lower your insurance cost even more with just comprehensive insurance) plus no interest to pay, plus lower insurance rate.
These are a few things I talked to the dealer about prior to buying the bike. If I wanted the initial cost of the bike lowered, good to finance it. If you want no bills, interest, lower insurance rate its gonna cost a little more for the bike. Being as it is my second bike in the last 2 years I have bought from them, and the countless services I have had done, gear, etc. and selling another Panigale to a customer (interesting story)... It has made them very happy and we have a strong dealer/customer relationship. I get major discounts on services (only paid $140 for my 15,000 service on the 848), a free dyno, some free gear here and there, etc.