Do I Need A Loan? Help please!!?

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I'm looking to buy a used PWC (Sea Doo). If I don't have to, I'd rather not take out a loan. Here's my dilemma: I dont want to to dump all of my money into a pwc and be broke. I'm thinking about one between $4,000-$10,000. If I don't have all of that money in cash right, but can afford the monthly payments and be comfortable with it, do I need to get a loan? So If I dont have $4000 in cash, but I can definitely afford the monthly payment, do I need a loan?

Do I Need A Loan? Help please!!?