Ninja 650, like new vs brand new

Hi all, I’m unsure which is the best option

Do I get a brand new 2025 model from the shop or do I get a used but low mileage and mint condition 2024 model at a cheaper price?

I prefer the colours of the 24 models, the 25 model is way too lime for me.

Both either way will be on HP finance, also a question on that, can I pay it off early? :)