mate, save up and spend a couple k on a car cash and dont bother with finance.

Ur a fair way below the UK average wage at the mo and u shouldnt really be spendin masses of cash on a car. it will only end up neglected and in the long run costin u more.

Insurance is a killer, as is the repair costs.

Buy a cheap vauxhall vectre v6 or sri or thatand run that for a year to c how u get on, then think about another perfomance car.

Iv been there and tried running a stage3 saff with a shit wage and the car only suffered cos of my lack of funds. Fortunately, im doin alright in my old age and can keep it as a 2nd car (now get a works van home too) so that helps with the saff running costs.

Bear in mind as well as insurance and loan there is the upkeep/service and (whats becoming more insane by the day) petrol costs.

300+fuel+repairs+eating and having a social life begin to add up! It may end up tight......