If your on emergency tax there will be an L in your tax code. I paid tax tax throughout my apprenticeship from being 16 though. The tax relief is spread out through the year so you don't earn 5000 then start paying tax I think they you just pay a smaller percentage hope this makes sense.
I would go inspired I used to have a zoot they are good bikes but I found the parts soon broke and my frame cracked. I now have an element and it feels a lot more solid plus I do think it's nicer to ride