Don't get a loan Stu you will regret it.
My car is costing me a fortune but all of it is being paid cash.
I would never get a loan now unless it was for a house.
I wouldn't even consider the loan option if I were you
Work out what you can afford or save and then decide from that.

A 2 litre 16 valve zetec is roughly 150 bhp as standard so there's a great start for such a little car.