Don't part with your hard earned money before you make sure you really like it. Exercise bikes have been around for decades and have improved in design and function over the years. They have been proven to provide weight loss and health benefits if used consistently and correctly. They offer a good cardio workout if properly used, and many come with built in features such as an adjustable platform and computerized workout to help enhance the effects of your exercise routine. There is some jarring and joint stress involved with running, on a treadmill or other type of home fitness equipment until you can afford to make the payments each month and the more you pay each month the smarter this type of financing is, so you don't pay crazy amounts of interest. It is also important to note, that for many people, a flat stomach is not in their genetics, even if they are computerized. Before beginning a discussion of abdominal exercises and equipment. According to Consumer's Union, it is the beginners that give up using the equipment more