This is just my opinion, but picking out your first bike is a tricky ordeal. If you are planning to go with an 06 than I would get a CBR. I am partial to them because my first bike was an 06 CBR and I loved it. Rode that baby for about 40K before upgrading. Signal has a 06 CBR also. It is a strong and comfortable bike. You can't go wrong with it. If you decide you want to go with a 2007 bike then I would get a GSXR -600. I think Honda totally jacked up the CBR's that year and the GSXR's were just beautiful. I also think that 2007 was the first year that they suzuki did the S-DMS mode switches. My 07 gsxr 1000 had it but im not sure if the 600's did. Maybe the 600's didn't get it until 08. Maybe someone can correct me. But in any case. I think that any year higher than 2006 you should go with a gsxr. I did and have never look back.

I also agree with Obrien. Financing a bike, unless you have good credit, can get a good interest rate, and have picked out your own bank, is a bad idea.