I bought my S1 with a loan, would never have saved up for one as it was a second car and something else would have come up that needed the cash more urgently.
Got the loan, £118 per month and don't even notice it anymore, just another bill, then I went and spent more on it in just over a year than it cost me to buy, £3,500 then sold it on to some luck bloke in Blackpool who got all the benefits of my cash, still he seemed a top lad and I was pleased to see it goes to someone who will keep improving on it.
I miss my S1