Specialized Sirrus Carbon
Specialized is one of the top tier bicycle brands in the US and this model is one of the more popular in this crowded market. The bike at the $555 mark is a good value here in the US. This bike can handle both road and terrain. The weight is light, gears are smooth and the brakes are just okay. The color scheme is modern and gives off a cool vibe. A&F Pawn will offer Pawn Lawns/Asset Loans on these high-end type of bikes with lower rates depending on what is needed.
This model has a carbon frame using Zertz vibration absorbing inserts which should make for a comfortable ride. Shimano branded disc brakes and gear hub make for smooth gear changing and stopping. The seat post could be better and you may want to change it out. The tires also aid in handling and ride comfort. Models without zertz inserts are cheaper and have more tread on the tires which aid in handling and overall ride quality.